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Which California shop, salon, and office guides are already published?
Published 2026-10-06 by Insurance City Agency, LLC, CA License #6003045. Leer en español
A California shop, salon, or small office usually starts with a business owner’s policy for liability and for the property at the address, then adds workers compensation when the first employee is hired. Labor Code section 3700 is that compensation duty. This page is the index. It does not replace the trade page, and it does not print a premium.
Which shop guides are already on Insurance City?
The furniture, retail, and hair-salon rows are statewide pages. City guides stay linked under those rows. A professional-office row points at the errors-and-omissions guide that was already published. Contractors are on a different hub: contractors and building trades. Guard companies are on the home-service hub.
| Shop | Where to read next |
|---|---|
| Furniture store, showroom, and delivery | Furniture store BOP in California |
| General retail shop | Retail store BOP in California. City guides: Stockton and Modesto. |
| Barbershop and hair salon | Hair salon and barbershop insurance in California. City guides: Stockton, Fresno, Sacramento. |
| Professional office (errors and omissions) | Professional liability and E&O in California |
| Booth-renter stylist or barber | Booth renter insurance in California |
| Nail salon | Nail salon insurance in California |
| What the package leaves out | BOP exclusions in California |
Does a shop’s business owner’s policy include workers compensation?
No. The package used for a storefront is liability plus property at the location. Compensation is a separate policy, required by Labor Code section 3700 from the first employee. A furniture showroom, a salon chair, and a retail counter do not share a compensation class. The furniture class is explained on the furniture page. The salon pages explain the booth-renter question. Do not copy one class onto the other. The product page is business owner’s package. The compensation page is workers compensation.
What should a shop owner send with the quote form?
Insurance City Agency, LLC reads the address, what is sold or done there, whether anyone is employed, and whether a vehicle leaves the shop. A landlord’s insurance exhibit, if the lease has one, belongs in the same packet. Send it on the quote form. The Stockton office is listed on the Stockton page.
Frequently asked questions
Which shop guides are already on Insurance City?
Furniture, general retail, and hair salons each have a statewide page on this index. Booth-renter, nail-salon, and professional-liability guides are statewide as well.
Does a shop business owner's policy include workers compensation?
No. The storefront package is liability and property. Labor Code section 3700 requires workers compensation from the first employee on a separate policy. Furniture, salon, and general retail do not share one compensation class.
What should a shop owner send with the quote form?
The address, what is sold or done there, whether anyone is employed, whether a vehicle leaves the shop, and the landlord's insurance exhibit if the lease has one.
Sources
- Labor Code section 3700. Compensation is separate from the storefront package. Checked October 6, 2026.
Related
- Esta página en español
- Furniture store BOP in California
- BOP compared with general liability
- Commercial property
Insurance City Agency, LLC. Reviewed by Santo Militello, California-licensed Property & Casualty agent (CA License #1737723) and owner of Via Rapida Services — CA Insurance License #6003045. Our licensed team brings more than 70 years of combined insurance experience. Phone (209) 670-1556. Insurance City, 956 W Robinhood Dr, Stockton, CA 95207. Last reviewed 2026-10-06.
Send what the shop sells and who it employs
Insurance City Agency, LLC starts from the address and the work, then opens the trade page that matches. Use the quote form. The Stockton office is at 956 W Robinhood Dr.