Business Insurance Oxnard, CA
There are numerous options to find coverage for business insurance in Oxnard, CA. You absolutely need insurance to protect your business from liability and accidents. This guide will help you choose the right coverage at an affordable price.
According to data on the insurance industry, 75% of US businesses are underinsured, and 40% of small business owners have no protection whatsoever.
A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Use an online insurance provider to get a quote, find personalized insurance products, and easily file claims.
Recommended: Estimate your premiums and coverage options in California. Get a quote from a dedicated small business insurer.
What Insurance Do I Need for My Oxnard Small Business?
With average premiums for general liability insurance in the United States at about $800/year, protecting your business can be affordable and a smart decision.
Your premiums in Oxnard, CA will depend upon your industry, revenue, and risk. A brick-and-mortar business providing any kind of general product, services, or consulting could use a host of coverage options, such as general liability insurance for onsite accidents, commercial property insurance to protect against theft, or workers’ compensation to offer support in the event of workplace injuries.
Ecommerce businesses have unique needs and may be more concerned with data breaches or cybersecurity coverages. You can bundle most of these into a business owner’s policy (BOP).
What Are the Different Types of Business Insurance?
Below are the most popular types of coverage that a small business in Oxnard, CA may need:
General Liability Insurance Oxnard
General liability insurance is the most common type of business insurance, as it covers the most basic needs that are shared among all types of companies. Things like bodily injury on your business's property and physical damage caused by employees or employers are covered by this policy.
Workers' Compensation Insurance Oxnard
Workers' compensation insurance is meant to protect the interests of your employees if they are injured on the job. It can also protect your business from a lawsuit if that employee needs compensation for their injuries. Workers' comp is mandated for any company with employees in every state except Texas and South Dakota.
Business Owner’s Policy Oxnard
A business owner's policy is a bundle of insurance policies usually consisting of general liability, commercial property, and business interruption insurance. Since they are packaged and sold as one policy, this makes the administration of your protection simpler, and it may even come at a discounted rate.
Online Business Insurance vs. Traditional Insurance Agency in Oxnard
Online insurance agencies generally provide comparable coverage to a traditional insurer at a lower price. As a result, a growing number of small businesses prefer to use online business providers to find personalized insurance products and save on costs. They offer other benefits as well:
We highly recommend using an online provider like Next Insurance for a number of reasons:
- Mobile App: Easily access all your coverage provided and Certificate of Insurance (COI) through an app.
- Personalized Coverage: Online insurance providers use AI and predictive data to provide customized insurance options tailored to the unique risks to your business.
- Lower Premiums: Online insurance providers save on expenses by not having brick-and-mortar locations or full-time agents and pass on these savings to their customers through lower premiums.
- Quick Turnaround on Claims: You can file a claim online and receive a resolution, usually within 48 hours
- Convenience: Save time by avoiding speaking to an agent on the phone, get a quote instantly and insure your business within 24 hours.
Two Ways To Start Coverage
Compare Quotes Online
Use our dedicated small business insurance provider to generate a quick and accurate online quote, specifically for your small business.
Get an online quote
Speak With an Insurance Representative
Representatives are online from 8:00 a.m.–8:00 p.m. ET, Monday–Saturday, to answer your questions and help you discover the best coverage.
Call Now: 833-536-1478
Frequently Asked Questions
A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Because of this, it’s in your best interest to get insured.
The cost of business insurance for a small business is typically between $700 and $3,800 a year, but this depends greatly on what types of insurance your business needs, your industry and the risk associated with your state.
In California, business insurance requirements may vary based on the type and size of your business. It's crucial to have the right insurance to protect your business from potential risks. For a comprehensive understanding of business insurance requirements in other states, please refer to our easy-to-understand guide.
An insurer like Next Insurance offers convenience and can get you an instant, online quote with your specific needs in mind or we recommend calling a local insurance agency as listed below in Oxnard to discuss your unique needs.
- In the event of any liability, such as property damage, client injury, data breaches, etc., you can be held responsible to pay in full any court-appointed charges, with no benefit payout to help cover the cost.
- Businesses may choose not to work with you, as they do not want to assume all of your risk on their own insurance policy.
- Depending on your business and jurisdiction, your state or local government may shut down your business if you do not satisfy their insurance requirements. In addition to this, you may be forced to pay a penalty.
Yes. Sole proprietorships, like other businesses, should get business insurance.
Small Business Resources in Oxnard, CA
Oxnard Chamber of Commerce
The Oxnard Chamber of Commerce provides business resources for both entrepreneurs and community members at large. For members, it can act as a hub for networking with local leaders, finding training opportunities, and getting marketing boosts.
- 400 E. Esplanade Dr. #302, Oxnard, CA 93036
- 805-983-6118
Elite Management Solutions
The experts at Elite Management Solutions assist business owners in becoming streamlined in their management practices as well as giving advice on how to better improve their existing team structures.
- 300 E. Esplanade Dr. Ste. 1760, Oxnard, CA 93036
- 818-308-7024
Regus Coworking
Located at TOPA Financial Plaza, the Regus coworking facility in Oxnard provides a number of professional, clean, and comfortable rooms that can be rented out for different durations, offering a flexible and effective space for small business teams to accomplish their goals.
- 300 E. Esplanade Dr. 9th Fl., Oxnard, CA 93036
- 805-981-3900
River Park Executive Suites
Another coworking solution in Oxnard, the River Park Executive suites provide flexible, “all-inclusive” spaces for entrepreneurs in Ventura County, in addition to telephone answering and business mail address services.
- 1000 Town Center Dr. #300, Oxnard, CA 93036
- 805-351-3700
Local Insurance Agents in Oxnard, CA
We have compiled a list of local insurance agencies in Oxnard, CA if you prefer to discuss your specific needs by speaking to an independent insurance agency or representative.
Polo Insurance Services
- Google Rating: 4.8/5
- 215 W. 4th St., Oxnard, CA 93030
- Monday–Friday, 9:00 a.m.–6:00 p.m. PT
- Saturday, 9:00 a.m.–2:00 p.m. PT
- 805-385-3734
Coast General Insurance Brokers
- Google Rating: 55
- 2775 N. Ventura Rd. #209, Oxnard, CA 93036
- Monday–Friday, 8:30 a.m.–5:00 p.m. PT
- 805-644-4740
Gold Coast Insurance
- Google Rating: 5/5
- 431 S. C St., Oxnard, CA 93030
- Monday–Friday, 10:00 a.m.–6:00 p.m. PT
- 805-486-4772
Torres & Associates
- Google Rating: 4.4/5
- 2069 N. Oxnard Blvd., Oxnard, CA 93036
- Monday–Friday, 9:00 a.m.–6:00 p.m. PT
- 805-983-2400
Johnny Speed - Farmers Insurance Agent
- Google Rating: 5/5
- 1000 Town Center Dr. Ste. 100, Oxnard, CA 93036
- Monday–Friday, 8:45 a.m.–5:45 p.m. PT
- 805-988-9850
Pacific Preferred Insurance
- Google Rating: 4.7/5
- 2775 N Ventura Rd. #110, Oxnard, CA 93036
- Monday–Friday, 8:00 a.m.–6:00 p.m. PT
- 805-351-3851
Jones & Maulding Insurance Agency
- Google Rating: 4.7/5
- 505 S. A St. #100, Oxnard, CA 93030
- Monday–Friday, 9:00 a.m.–5:00 p.m. PT
- 805-486-4701