CCalvo InsuranceCalifornia

Insurance for Professional Offices in California

Get a QuoteCall (951) 383-3000
Javier Calvo, commercial insurance agent in Murrieta, California

Your agent: Javier Calvo

  • Licensed California agent — CA License #0L69621
  • Hablamos español / Bilingual service
  • Local office in Murrieta, CA
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A professional office looks low-risk until something happens. A client trips in the lobby. A water leak ruins computers and files. An employee is hurt at work. A fire closes the office and the income stops with it. Landlords usually require proof of insurance, and the building's policy doesn't cover what's inside your suite.

We insure California offices and professional firms with three coverages: Business Owners Policy, Workers' Compensation and Commercial Auto. We'll match them to your space, your staff and how you work — in English or Spanish.

How our three coverages fit

  • Business Owners Policy

    A Business Owners Policy can help cover your computers, furniture, files and tenant improvements, liability if a client is hurt in your office, and lost income while you're closed after a covered loss, depending on the policy.

    See coverage

  • Workers' Compensation

    California generally requires workers' comp for businesses with employees — even one part-time employee counts. It can help cover medical care and lost wages after a work-related injury.

    See coverage

  • Commercial Auto Insurance

    If the business owns a vehicle, or employees run errands in their own cars, commercial auto or hired and non-owned coverage can help — personal policies often exclude business use.

    See coverage

Common questions

I lease my office — do I still need insurance?
Yes. Most California landlords require it, and the landlord's policy covers the building — not your equipment, furniture, files or your liability to clients.
Do I need workers' comp for one part-time assistant?
California generally requires workers' compensation from your first employee, part-time included. We'll confirm how it applies to your office.
Does a Business Owners Policy cover my computers and files?
Office equipment and contents can be covered under the property side of a Business Owners Policy, depending on the policy and its limits. We'll review what you have so the coverage matches.
Can I get everything in one quote?
Yes. Answer the short quiz on this page and we'll quote the coverages that fit your office together, usually within one business day.

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What do you need covered?

10 years serving California businesses, bilingual service, no obligation.