Placerville has been the El Dorado County seat since 1857. Its Main Street still has many Gold Rush era buildings, and Apple Hill brings crowds every fall.
What does a Placerville business need to think about?
Do I need a city license if I have a county one?
Yes. Placerville says every business inside city limits needs a city license, and a county license does not count. Home businesses also file a Home Occupation Form.
Contractors coming up from the valley should get both lined up before the job.
How much does wildfire matter here?
A lot. The 2021 Caldor Fire burned 221,835 acres in the county, destroyed 1,003 structures and closed US 50. Placerville’s fire hazard zones are being updated, and the city can raise them.
If you own a building, have Oscar review your property policy for wildfire terms and business income coverage.
Running a shop on Main Street?
Old buildings, busy sidewalks and tourists add up. Older wiring and plumbing raise property questions, and visitors raise liability ones.
A small business package covers both in one policy.
Serving Apple Hill season?
Apple Hill has about 55 ranches and draws big crowds. Farms, bakeries and shops that serve visitors see a spike in slip, trip and product questions every fall.
General liability and product liability matter most when you sell food or goods to the public.
Coverage Placerville owners ask about
Small business package
Bundles property and general liability into one policy, often with business income coverage, at one price.
General liability
Covers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.
Product liability
Covers injuries or damage caused by products you make, sell or distribute.
Commercial auto
Covers vehicles used for work, and the people driving them, when there’s an accident.
Workers’ comp
Pays medical bills and part of lost wages when an employee is hurt or gets sick because of their job.
Talk to a licensed agent
Diamond is family-owned, 100% commercial and licensed in California (#6015964). We also serve Cameron Park, El Dorado Hills, Folsom, Sacramento. Call 279-842-0928, open 9:00 am to 5:00 pm, or start your 90-second coverage profile.
Sources: Placerville, Wikipedia · City of Placerville business license · Caldor Fire, Wikipedia · Apple Hill, Wikipedia
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