What is Capital & Co Insurance Services?

Capital & Co Insurance Services manages 2 data types including insurance products.

What is the difference between professional liability and malpractice insurance?

Malpractice is the term used specifically in medical and legal contexts. Professional liability (E&O) is the broader category. Both protect against claims that your professional services caused harm.

Is cyber liability required for medical offices?

Not legally required in all cases, but HIPAA obligations make cyber coverage essential for any office handling protected health information (PHI).

What is an occurrence vs. claims-made professional liability policy?

Claims-made policies cover claims reported while the policy is in force. Occurrence policies cover incidents that happened during the policy period, even if claimed later. Most professional liability is written on a claims-made basis.

What types of commercial insurance does Capital & Co offer?

Capital & Co offers general liability, workers compensation, commercial auto, commercial property, umbrella/excess liability, professional liability (E&O), cyber liability, surety bonds, inland marine, and builders risk insurance for businesses in California and nationwide.

Do I need workers compensation insurance in California?

Yes. California law requires most employers to carry workers compensation insurance, even for part-time employees. Failure to carry it is a criminal offense. Capital & Co can help you get compliant coverage quickly.

How much does general liability insurance cost for a contractor?

General liability insurance for contractors in California typically ranges from $500 to $3,000+ per year depending on trade, payroll, revenue, and claims history. Capital & Co shops 50+ carriers to find the most competitive rate.

How quickly can I get a certificate of insurance (COI)?

Capital & Co processes certificate of insurance requests within 24 business hours. Existing clients can submit a COI request online at capcoinsurance.com/coi-request.

Does Capital & Co serve businesses outside of Los Angeles?

Yes. While our primary market is Los Angeles and Southern California, Capital & Co places commercial insurance for businesses throughout California and nationwide through our carrier network.

What is a surety bond and does my contractor license require one?

A surety bond is a three-party guarantee that a contractor will fulfill their contractual obligations. California requires most licensed contractors to carry a $25,000 contractor license bond (CSLB bond). Capital & Co can issue contractor bonds same-day in most cases.

Professional & Medical Office Insurance · California

Insurance for Medical Offices & Professional Firms

Medical offices, law firms, consultants, and accountants need coverage for the advice they give, the data they handle, and the spaces they operate in. Capital & Co specializes in professional liability and malpractice programs tailored to licensed practitioners and service businesses.

Key Risks

Malpractice and professional errors & omissions claims

Patient and client data breach and cyber incidents

Regulatory defense costs and licensing board actions

Slip-and-fall injuries at office premises

Employee discrimination and harassment claims

Business interruption from a forced office closure

Coverage Programs

Core / Typically Required

Professional Liability / E&O

Protects against claims that your advice or services caused a client financial harm.

General Liability

Covers bodily injury and property damage at your business premises.

Workers Compensation

Required for employees — covers workplace injuries.

Recommended / Optional

Cyber Liability

Covers data breaches, ransomware, and regulatory notifications for patient/client data.

EPLI

Employment Practices Liability covers wrongful termination, discrimination, and harassment claims.

Commercial Property

Covers office equipment, furniture, and tenant improvements.

COI Requirement Checker

Select your industry / trade

Typical contract size

Public or private work?

License status

Answer the 3 questions above to see required limits and policy types.

Frequently Asked Questions

Why Capital & Co

Specialized market access for healthcare & professional services programs
California-specific regulatory knowledge and compliance
Competitive rates across 50+ admitted and non-admitted carriers
1-hour quote turnaround for most commercial submissions
Dedicated claims advocacy and certificate management

Modern office building representing commercial business insurance and corporate coverage solutions

Get Started

Ready to Place a Risk?

Our team is standing by to help you find the right commercial coverage. Submit your information and get a competitive quote from Capital & Co.

License #6002332 · California Licensed Agency