The top-rated commercial insurance agent in Chico, California is Acceptance Insurance, rated 5.0 stars across 353 reviews. Other highly rated options include Kevin Baker Insurance Agency, Heritage Insurance Agency, Farmers Insurance - Paul Munly Agency. This directory lists 20 commercial insurance agents serving Chico.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 240 W East Ave ste c | (530) 681-4011 |
| 2 | Kevin Baker Insurance Agency | 383 Connors Ct Ste A | (530) 893-8301 |
| 3 | Heritage Insurance Agency | 290 Airpark Blvd | (530) 894-3276 |
| 4 | Farmers Insurance - Paul Munly Agency | 30 Constitution Dr #200 | (530) 899-7667 |
| 5 | Jeff Fowler Insurance Services, Inc. | 426 Broadway St #205 | (530) 267-6268 |
| 6 | GCI Health Insurance Services | 110 Independence Cir Ste 101 | (530) 895-3882 |
| 7 | Nevin & Witt Insurance Services | 1600 Mangrove Ave #195 | (530) 894-0111 |
| 8 | Chico Creek Insurance Services, LLC - Owner, Julio Ramirez | 500 Cohasset Rd #34 | (530) 636-0241 |
| 9 | Farmers Insurance, Genia Henderson Agency | 2535 Ceanothus Ave STE 120 | (530) 345-9035 |
| 10 | Luquin's Insurance Services | 1041 Village Ln | (530) 809-2993 |
In Chico, California, Acceptance Insurance caters to commercial clients by offering both single-transfer liability policies and ongoing, bundled coverage plans tailored to specific business exposures. Standard options include general liability, property, and workers’ compensation insurance, which protect against common operational risks. Assistance is available on an as-needed basis for claims and policy adjustments, with full reviews offered upon request to accommodate evolving local business needs.
Kevin Baker Insurance Agency serves the Chico, California metro area as a commercial insurance agent, providing businesses with policies tailored to their operational risks. The agency helps clients manage liability and property exposures through comprehensive coverage plans. It also advises on specific industry needs to protect against common local threats. Business interruption insurance and general liability coverage are among the services it handles in this area.
Heritage Insurance Agency in Chico, California, provides a full range of commercial insurance products tailored to local businesses. Services include general liability, property, and workers’ compensation coverage, along with ongoing policy reviews and claims support for clients. The agency works closely with business owners to ensure their insurance plans keep pace with evolving operational needs. It serves diverse commercial properties, including single-family homes used for business, apartment complexes, retail locations, and restaurants.
Farmers Insurance - Paul Munly Agency in Chico, CA serves homeowners, businesses, and property managers by offering commercial insurance agent services tailored to local operational needs. The agency works with clients to identify appropriate coverage for liability, property, and other business-related risks common in the area. Policies are designed to help protect assets and support daily operations for both small and medium-sized enterprises. In addition to serving Chico, the agency also covers coverage needs for businesses and residents in the nearby community of Paradise.
Serving Chico and the surrounding communities of Butte County, Jeff Fowler Insurance Services, Inc. handles a broad range of commercial insurance needs for local businesses. The agency works with property, liability, and workers’ compensation coverage to protect companies from financial loss. To handle a typical account, it first evaluates the specific risks of the client’s industry and operation, then compares multiple carrier options to secure appropriate protection within the client’s budget.
GCI Health Insurance Services in Chico, CA offers commercial insurance agents who design liability coverage for small and mid-sized businesses. They also provide property protection for local retail and office spaces, along with workers' compensation policies required for regional service companies. The agents routinely assess business operations to recommend appropriate policy limits and deductibles. As seasonal wildfire risks increase in Northern California, GCI helps commercial clients review their coverage for adequate business interruption protection.
Nevin & Witt Insurance Services in Chico, CA, offers both one-time policy placements for unique commercial needs and recurring service options for ongoing annual renewals. Their coverage helps local businesses manage liability, property, and operational risks common in the area. Recognizing that commercial exposures change as a business grows, they adjust coverage accordingly to maintain adequate protection. Their service runs on either a scheduled renewal cycle or an as-needed basis when a new risk or policy update arises.
As local businesses in Chico prepare for wildfire season, Chico Creek Insurance Services, LLC provides commercial insurance tailored to protect their operations. Owner Julio Ramirez works closely with business owners to assess risks specific to agriculture, retail, and service industries across Butte County. Coverage options focus on property, liability, and business interruption that address the challenges of a rural and growing urban interface. An initial inspection of the business premises is always conducted to evaluate exposures before any policy is issued.
Farmers Insurance, Genia Henderson Agency provides residential insurance coverage in Chico, California, and also offers commercial insurance for local businesses. Policies protect property, liability, and business income for a range of small to mid-sized enterprises in the region. Service extends to clients looking for ongoing risk management advice, with agents available to review coverage needs and adjust plans as operations change. The agency often works with customers on follow-up service between regular visits to address any new exposures or policy updates.
What Does a a Commercial Insurance Agent in Chico Cost?
Commercial insurance costs in California vary by industry revenue and risk level. A small retail shop in Chico might pay 500 to 1500 per year for general liability while a construction contractor could pay 3000 to 8000 annually for combined coverage. Workers compensation premiums are based on payroll and classification codes often ranging from 0.50 to 3.00 per 100 dollars of payroll. This is general information and not insurance advice.
About commercial insurance agents in Chico
Commercial insurance agents in Chico California help local businesses secure coverage for property damage general liability and workers compensation. California law requires most employers to carry workers compensation insurance under the California Labor Code. Agents also guide businesses through state-specific requirements such as commercial auto insurance minimums and professional liability needs for licensed professionals.
Frequently Asked Questions
What types of commercial insurance are common for Chico businesses?
Common coverages include general liability commercial property workers compensation commercial auto and professional liability. Chico businesses in agriculture construction and retail often need additional endorsements for crop damage or tools and equipment.
Does California require businesses to have commercial auto insurance?
Yes California requires commercial auto insurance for any vehicle used for business purposes. Minimum liability limits are 15000 per person and 30000 per accident for bodily injury plus 5000 for property damage but higher limits are recommended for most businesses.
How do California workers compensation laws affect Chico business owners?
California Labor Code Section 3700 requires all employers with at least one employee to carry workers compensation insurance. Failure to do so can result in fines up to 100000 and possible criminal charges. A commercial insurance agent can help you find a policy that meets state requirements.
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