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Home > Business Insurance - Fresno, Sanger, CA

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Commercial Auto Insurance Quote
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Business & Commercial Insurance Information

There are over 4 million small businesses throughout California with about 7.1 million employees. As a source of booming consumerism and tourism, California is a great place to start a business. A business is a huge investment, though, and you want to cover that investment from possible losses.

Academy West Insurance understands the needs of business-owners in California and works hard to find insurance policies that fit your business and your budget.

We offer two main lines of business insurance:

Commercial General Liability

General liability covers your business in case of claims related to bodily injury, property damage and advertising injury.

  • Bodily Injury: Bodily injury liability refers to non-professional negligent acts and other accidents that occur on the business property. If a customer trips and falls, for example, this liability insurance will help with their medical expenses. It will also cover legal fees if the victim decides to sue for the injury.
  • Property Damage: Property damage liability covers accidents in which normal business operations cause damage to someone else’s property. This does not typically cover damage caused by work vehicles, however.
  • Advertising Injury: Advertising injury covers against claims concerning libel, slander, copyright infringement, malicious prosecution and more.

How Much General Liability Insurance Should a Small Business Have?

Your policy limits should depend on the risk your business faces. Smaller businesses and sole proprietors generally need less coverage than large businesses. Coverage for general liability typically starts at $1 million. Connect with an Academy West Insurance agent today at (559) 875-7700 to talk about the coverage limits your business needs.

Commercial Auto Insurance

Despite some common misconceptions, personal auto insurance does not cover work use or business vehicles. If your business owns or uses vehicles for work purpose, you will need commercial auto insurance. Commercial auto insurance can cover a range of accidents and be tailored for your business’ vehicles. Coverage available includes comprehensive, collision, liability, personal injury protection and uninsured/underinsured motorist coverage.

In California, businesses with commercial vehicles must carry:

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability

How Much is Business Insurance for a Car?

The price of commercial auto insurance depends on a variety of factors, such as the weight of the vehicle, distance traveled, location and driving records of the drivers. That being said, commercial auto insurance per vehicle can range anywhere between $600 and $2,400 a year.

Find Coverage for Your Business Today

Investing in your business doesn’t stop once you open its doors. Threats for lawsuits and monetary loss can risk losing all your hard work. Call Academy West Insurance at (559) 875-7700 or fill out an online form for a free quote to get started now!

Frequently Asked Questions

Where to Get Business Insurance?

Academy West Insurance is an independent agency, meaning we work hard to sift through top carriers and find you the best policy at the most affordable price. Fill out an online form for a free quote today to see how much we can save you on business insurance!

How Much is Business Insurance in California?

The cost of business insurance varies widely depending on the size of the business, coverage limits, deductibles, risk, credit history and more. One of our agents can help you calculate how much insurance you need and give you a quote for your business.

Why is Commercial Auto Insurance So Expensive?

Commercial auto insurance is designed to cover vehicles made for work purposes, which makes them more at-risk when it comes to accidents. Transporting goods, equipment or passengers can lead to more damage than personal vehicles. Vehicles that have multiple drivers will also cost more to insure.

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Main Office
1411 Jensen Ave | Sanger, CA 93657-2412
P: (559) 875-7700 | F: (559) 875-7791

Armona Office
13981 Ada St Ste 301 | Armona, CA 93202-9776
P: (559) 589-6100 | F: (559) 589-6101

Fresno Office
3860 N Cedar Ave Ste 108 | Fresno, CA 93726-5262
P: (559) 486-8000 | F: (559) 486-8002

Selma Office
2440 McCall Ave | Selma, CA 93662-3181
P: (559) 891-9600 | F: (559) 891-960

Farmersville Office
160 S Farmersville Blvd. | Farmersville, CA 93223
P: (559) 802-5600

Lindsay Office
395 W Hermosa St. | Lindsay, CA 93247
P: (559) 239-9434

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