California business insurance requirements Most coverages aren’t required by California state law except for workers’ compensation. Any business that has employees is required to have workers’ comp coverage through the state’s insurance fund or through a private insurance carrier.

Do I need business insurance if I have no employees?

Sole proprietors with no employees typically are not required to purchase workers’ compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover.

Do I need business insurance if I work from home?

If people visit your home for business purposes, then you’ll need public liability. Even if they only enter your premises briefly, accidents can happen. Public liability insurance covers you for compensation and legal fees if a member of the public sues you for injury or damage to their property.

Where to buy health insurance if you work in more than one state?

As a general rule: If you live in one state and work in another, you should usually buy health insurance in the state where you live. If you split your time between multiple states, you should buy health insurance in the state where you live most of the year. But what if you spend a substantial amount of time in more than one state?

Can you switch insurance agents if you live out of State?

Great insurance service is still attainable even without face-to-face meetings. You are allowed to switch to any agent within the state in which you reside, as long as they are licensed in your state and base your rates off of where you live. 1 

Is it legal to have auto insurance from a different state?

While it is possible to have auto insurance from a state you don’t live in, that doesn’t make it legal. An auto insurance company doesn’t know that you have made a move until you take the time to let them know.

Can you keep the same insurance company in both states?

Luckily, you can usually keep the same company as long as it operates in both states. But you will have to inform the provider about your address change so your policy can be re-written. If you make any move at all, you should inform your insurance company immediately.