Resources
Read this before you buy.
Guides and plain answers about what you're buying, what you actually need, and what to watch for.
Guides
Coverage, explained.
Coverage decisions are easier when you know what the words mean.
Commercial
- 01
General liability 101: what every business owner needs to know
What GL covers, what it doesn't, how limits work, and why most businesses need it before they open their doors. - 02
Trucking insurance: FMCSA requirements and coverage types
Primary liability, cargo, physical damage, bobtail and the federal filings, in plain English. - 03
Does your business need cyber liability insurance?
Every business that stores customer data is a target. What cyber liability covers and how to judge your exposure.
State guides
- 04
Workers' comp in California
Who has to carry it under California law, and what AB 5 changes about who counts as an employee. - 05
California homeowners insurance: wildfire, the FAIR Plan and your options
Why carriers are pulling back, what the FAIR Plan is, and how to find coverage in high-risk areas. - 06
California auto insurance minimums went up in 2025
What the minimums have been since January 2025, and why they still aren’t enough. - 07
Insurance in Arizona
Our home base, and the rules that change in Arizona.
Questions
Asked often. Answered plainly.
Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.
All 8 questionsHave a question we didn't answer?
Tell us what the business does and we'll come back with options from more than one carrier, explained in plain English.