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RCU Insurance Services

 

Home > Business > Business Owners Insurance | RCU Insurance Services - Santa Rosa, CA and Napa, CA

Your business is your passion

Protect all you've worked for with coverage customized for your business.

Get Started Today

Business owners insurance

Starting and owning a business is hard work that requires time, dedication, and money. One accident or lawsuit can threaten your business, especially in the first few years. To protect against potential losses, consider a business owners policy, which is:

  • A bundled policy that combines different coverages for small businesses in low-risk industries.
  • A flexible policy that allows you, as a small business owner, to save money on important coverages.
  • Something we can tailor specifically for your business.

What does a business owners policy cover?

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General Liability

Covers claims for bodily injury, property damage, and personal or advertising injury. It can also cover medical bills and protect against lawsuits.

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Commercial Property

Covers damages to the physical property and contents of your business including damages caused by fire, wind, theft, and other disasters.

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Additional Coverages

You can add different coverages based on your need, including professional liability, commercial auto insurance, and workers’ compensation.

Rustic Divider

Protect your
business today

Rustic Divider

Make sure your business is covered with a flexible, affordable policy. Call RCU Insurance Services at (707) 576-5115 or get an online quote today.

Get Started

Common business owners policy questions

  • How much does a business owners policy cost?
    The cost varies depending on your location, coverage limits, industry, size of the business, and other factors.
  • Who qualifies for a business owners policy?
    Typically small businesses in low-risk industries. This can vary depending on the insurer, so be sure to ask about it.
  • How does a general liability policy differ from business owners policy?
    General liability is a standalone policy that can be combined with a business owners policy for added protection.
  • How much coverage do I need?
    It varies based on things like the size of your business, number of employees, and the type of customers you work with.
Get Started Today

Additional business coverage

Tile icon Workers Compensation

Protect your workers with a comprehensive policy.

Tile icon Umbrella Liability Insurance

Excess coverage for when your policy limits have been met.

Tile icon Commercial Auto Insurance

Covers vehicles owned or used by the business for work purposes.

Have questions? Please call us toll-free at (866) 477-4225 or at (707) 576-5115.

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  • Vehicle›
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    • More Home Insurance
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  • Additional Insurance›
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    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.