Elk Grove became a city in 2000 and is now the second-largest city in Sacramento County. It grew fast, and it’s still growing.
So what should an Elk Grove owner check first?
What license does an Elk Grove business need?
Elk Grove issues a general business license to businesses with a physical location in the city. Some businesses, like towing, need a special license.
Your license doesn’t include insurance, but leases and clients will ask for it.
Is flooding a concern south of town?
It can be. In January 2017, a Cosumnes River levee broke and flooded the Point Pleasant area. Crews rescued more than a dozen people by boat.
Most commercial property policies exclude flood. If you’re in a low area, Oscar can check your coverage.
On the road on Highway 99 and I-5?
I-5 runs along the west edge of Elk Grove and SR 99 runs through the middle. Service vans and delivery drivers use both every day.
Commercial auto, plus hired and non-owned auto for employees who use their own cars.
Opening a restaurant or shop?
A growing city means new restaurants, shops and service businesses. Each one needs to protect its space, its equipment and the customers walking in.
A small business package is the usual start. Add workers’ comp once you hire and employment practices as your team grows.
Coverage Elk Grove owners ask about
Commercial auto
Covers vehicles used for work, and the people driving them, when there’s an accident.
Small business package
Bundles property and general liability into one policy, often with business income coverage, at one price.
Workers’ comp
Pays medical bills and part of lost wages when an employee is hurt or gets sick because of their job.
Employment practices
Covers claims from employees or job applicants over how they were treated at work.
General liability
Covers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.
Talk to a licensed agent
Diamond is family-owned, 100% commercial and licensed in California (#6015964). We also serve Sacramento, Rancho Cordova, Folsom, Roseville. Call 279-842-0928, open 9:00 am to 5:00 pm, or start your 90-second coverage profile.
Sources: Elk Grove, Wikipedia · Elk Grove business license · 2017 Point Pleasant levee break, CBS
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