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One thing is for sure, if you are in California, and you own a small business, you definitely want to invest in california small business property insurance.  This will protect your property from theft, fire, and other catastrophes that might occur.  Your property is where your livelihood is located.  You work that business for a reason:  to have a future for your children and their children while you retire someday with a lucrative income.  You don’t want anything to happen to the property where the business is located.  And you don’t want anyone suing you for something that might happen there.  Get the coverage to protect yourself so you can preserve what you’ve worked so hard to maintain.