{"id":61,"date":"2025-11-26T12:00:00","date_gmt":"2025-11-26T18:00:00","guid":{"rendered":"https:\/\/www.reinasinsurance.com\/blog\/?p=61"},"modified":"2025-11-14T12:27:46","modified_gmt":"2025-11-14T18:27:46","slug":"what-does-commercial-insurance-actually-cover","status":"publish","type":"post","link":"https:\/\/www.reinasinsurance.com\/blog\/what-does-commercial-insurance-actually-cover\/","title":{"rendered":"What Does Commercial Insurance Actually Cover?"},"content":{"rendered":"

Selecting the right commercial insurance package is a must for day-to-day peace of mind. Making a confident choice requires research and knowledge. For instance, you have to know where you’re covered and where you aren’t so you can explore insurance add-ons or different providers altogether. <\/span><\/span><\/span><\/p>\n

If you have questions, our team at Reinas Insurance Agency Inc. has answers. Pasadena, CA residents exploring commercial options shouldn’t miss the information ahead.<\/span><\/span><\/span><\/p>\n

Auto Coverage<\/span><\/span><\/span><\/h2>\n

In California, any vehicle you use for business purposes must have commercial insurance. That’s the case whether you use a personal vehicle for work, such as delivering food through DoorDash or transporting people through Uber, or if you own a business and have vehicles associated with it.<\/span><\/span><\/span><\/p>\n

Commercial vehicles must have a minimum liability coverage rate as follows: $15,000 for property damage, $30,000 in case of injuries or death to a single person, and $60,000 in case of injuries or death to multiple people.<\/span><\/span><\/span><\/p>\n

Workers’ Compensation<\/span><\/span><\/span><\/h2>\n

Another type of commercial insurance that Pasadena, CA business owners can’t ignore is workers’ comp. This insurance protects employees and kicks in if they get sick or injured on the job. If your business has one employee or more, then California state law requires you to implement workers’ compensation. <\/span><\/span><\/span><\/p>\n

Cyber Insurance <\/span><\/span><\/span><\/h2>\n

Yet a third type of commercial insurance is cyber liability. With data breaches becoming more common, this type of plan is designed to protect a business from the consequences of cyberattacks. <\/span><\/span><\/span><\/p>\n

Specifics vary, but many cyber insurance plans cover services like system repairs, cybersecurity audits, data recovery, cyber extortion, breach notifications, business downtime while recovering from a cyberattack, penalties and regulatory fines, and legal expenses.<\/span><\/span><\/span><\/p>\n

Reinas Insurance Agency Inc. is here to help you simplify your commercial insurance. Proudly serving the Pasadena, CA area, our expertise and variety of commercial services will help you find the insurance you need for day-to-day peace of mind.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Selecting the right commercial insurance package is a must for day-to-day peace of mind. Making a confident choice requires research and knowledge. For instance, you have to know where you’re covered and where you aren’t so you can explore insurance add-ons or different providers altogether.  If you have questions, our team at Reinas Insurance Agency […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[30,32,26,29,14],"class_list":["post-61","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-ca","tag-commercial","tag-insurance","tag-pasadena","tag-reinas-insurance-agency-inc"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/61","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=61"}],"version-history":[{"count":1,"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/61\/revisions"}],"predecessor-version":[{"id":62,"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/61\/revisions\/62"}],"wp:attachment":[{"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=61"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=61"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reinasinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=61"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}