What is Capital & Co Insurance Services?

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

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.

What commercial insurance do businesses in Santa Cruz need?

Businesses in Santa Cruz typically need general liability, workers compensation, commercial property, and commercial auto insurance. Specific requirements depend on your industry. Capital & Co provides tailored coverage for Santa Cruz businesses.

Are there special insurance requirements in Santa Cruz?

California businesses must have workers compensation if they have employees. Hospitality & Tourism and Tech & Software businesses may have additional requirements. We help ensure compliance with all local and state regulations.

How much does commercial insurance cost in Santa Cruz?

Insurance costs depend on your business type, size, claims history, and coverage needs. We provide competitive quotes for Santa Cruz businesses. Schedule a consultation to get personalized pricing.

Can I get insurance quotes for my Santa Cruz business online?

Yes! Submit a quote request on our website or call us directly. We'll assess your specific needs and provide competitive quotes tailored to your Santa Cruz operation.

Santa Cruz, California

Commercial Insurance in Santa Cruz

Commercial insurance for Santa Cruz and Monterey Bay businesses.

Serving Santa Cruz's Key Industries

Hospitality & Tourism

Specialized coverage for hospitality & tourism businesses

Tech & Software

Specialized coverage for tech & software businesses

Retail

Specialized coverage for retail businesses

Food & Beverage

Specialized coverage for food & beverage businesses

Coverage Options Available

General Liability

Third-party bodily injury and property damage protection

Workers Compensation

Employee injury coverage required in California

Commercial Property

Protection for your building and equipment

Commercial Auto

Coverage for business vehicles

Ready for a Consultation?

Get a customized insurance quote for your Santa Cruz business.

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Frequently Asked Questions

Find answers to common questions about our coverage options and processes.

Modern office building representing commercial business insurance and corporate coverage solutions

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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