In Beverly Hills, the lease usually decides the shape of the program. Commercial leases commonly specify general liability limits, ask for the landlord to be an additional insured, require coverage for your improvements to the space, and sometimes an umbrella. Start from the insurance section of the lease, then add what the business itself needs: workers’ comp once you hire, professional liability for advice or treatment, and cyber if you hold client data.
- Who sells business insurance in Beverly Hills? Independent brokers such as Alishahi Insurance, at 439 N Canon Dr (CA License #4348151), quote several insurers for offices, retail and restaurants.
- A business owner’s policy combines property, general liability and business income for smaller businesses that qualify.
- Commercial leases usually set the liability limits and require the landlord to be named as an additional insured.
Start with the lease
- Liability limits: per occurrence and aggregate, and whether an umbrella is required on top.
- Additional insured: the landlord and often the property manager, with the exact names the lease uses.
- Improvements and betterments: the build-out you paid for, which is yours to insure even though it is attached to the landlord’s building.
- Waiver of subrogation and primary and non-contributory wording, which need the insurer’s endorsement, not just a certificate. Certificate holder vs. additional insured.
Coverage by type of business
- Medical and dental offices, med spasMalpractice or professional liability alongside the office’s property and liability. Medical offices, med spas.
- Law, accounting and real estate officesProfessional liability, plus cyber for client data. Professional liability.
- Retail and jewelry storesInventory, theft and liability; jewelers have specialty forms. Retail, jewelry stores.
- Restaurants, cafés and barsProperty, liability, liquor liability and workers’ comp. Restaurants.
- Salons and spasProfessional and general liability for treatments, plus property. Salons and spas.
Is a BOP enough?
A business owner’s policy bundles property, general liability and business income, usually for less than buying them separately. It does not cover employee injuries, vehicles, professional mistakes, or much in the way of cyber, flood or earthquake. Eligibility depends on the type and size of the business. How a BOP works, and what it covers.
What to send me
- The insurance section of your lease, or the whole lease.
- What the business does, annual revenue, and payroll by job.
- The value of your equipment, inventory and build-out.
- Your current declarations pages and loss runs, if you have coverage now.
Common questions
What insurance does a business need in Beverly Hills?
Usually general liability and property, often combined in a business owner’s policy, plus workers’ comp once you have an employee. Professional liability, cyber and an umbrella depend on what the business does and what the lease or client contracts require.
Who is a business insurance broker in Beverly Hills?
Alishahi Insurance is an independent broker at 439 N Canon Dr, Penthouse, Beverly Hills (CA License #4348151). As an independent broker it quotes several insurers rather than one.
What does my landlord need from my insurance?
Usually proof of general liability at specified limits, the landlord named as an additional insured, and sometimes a waiver of subrogation and an umbrella. The lease’s insurance section lists exactly what is required.
Does a BOP cover my employees if they get hurt?
No. Employee injuries are covered by workers’ compensation, which is a separate policy and is required in California once you have an employee.
General information about business insurance as of October 2026. Coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.