Commercial Insurance Built for Santa Monica Businesses
Santa Monica is home to a thriving mix of retail, hospitality, tech startups, and professional services. Capital & Co Insurance Services provides tailored commercial insurance programs for Santa Monica businesses — from the Third Street Promenade to the beachfront hotel corridor.
Santa Monica businesses often face high lease costs and competitive commercial real estate — making Business Income and Property coverage especially critical. The city's vibrant tourism economy also creates elevated General Liability and Liquor Liability exposure for hospitality operations.
Industries We Serve in Santa Monica
- Retail & Hospitality
- Tech Startups
- Professional Services
- Restaurants & Bars
- Real Estate & Property
Your Local Agent
Our Los Angeles office at 5455 Wilshire Blvd serves Santa Monica businesses directly — just minutes away.
Insurance Products Available in Santa Monica
We place all major commercial lines for Santa Monica businesses through top-rated admitted and surplus lines carriers.
General Liability
Workers Comp
Commercial Auto
Property Insurance
Cyber Liability
Professional Liability
Excess & Umbrella
Bonds & Surety
Builders Risk
Inland Marine
Commercial Insurance Checklist for Santa Monica Businesses
A quick compliance reference for Santa Monica business owners and contractors. Download it, keep it on file, and share it with your team.
- Contractors working in Santa Monica must hold a valid CSLB license — verify any trade contractor's license status with the California State License Board before hiring.
- Santa Monica businesses with one or more employees are required to carry Workers' Compensation insurance under California Labor Code §3700.
- Santa Monica restaurants, bars, and venues serving alcohol need Liquor Liability coverage and a valid ABC license for CA.
- Commercial vehicles garaged in Santa Monica (90401 area) require California commercial auto insurance with liability limits that meet or exceed state minimums.
- Businesses leasing space in Santa Monica should confirm Certificate of Insurance (COI) requirements with their landlord — most Los Angeles County property managers require $1M–$2M General Liability limits.
Request a Quote for Your Santa Monica Business
Tell us about your business and we'll respond with competitive commercial insurance options — fast.
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