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Insurance by Need

Growing to Multiple Locations

Opening a second site multiplies your exposure overnight — each new location adds property, employees, and a landlord who will likely require its own certificate of insurance before you can sign the lease. What worked as a single-address policy often needs restructuring so every location is properly listed and no gap opens between them.

Coverage to Consider Schedule Consultation

Who this coverage is for

This is for owners expanding from one storefront, office, or facility to two or more. It's also for franchises and growing operations that need each location correctly covered and named on the policy.

What it can help protect

Multiple locations widen the risks a single policy has to cover:

  • Each property — buildings, tenant improvements, and contents at every site.
  • General liability — injuries to customers or others across all your locations.
  • Business income — lost revenue if one location is shut down by a covered event.
  • Employees — workers' comp coverage that follows staff at each site as required in California.
  • Landlord requirements — certificates naming each landlord as required by your leases.

What to gather

A location list, current policies, and a brief note on what each site does will give Sterling Lloyd enough to organize the next step.

Coverages to consider

The coverages most relevant to Growing to Multiple Locations, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

Commercial Property Insurance

Covers each additional location and its contents.

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Core

General Liability Insurance

Liability across all sites.

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Recommended

Commercial Umbrella / Excess Liability

Higher limits as exposure multiplies.

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Recommended Often required

Workers' Compensation Insurance

Required in each state you employ staff.

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Situational

Commercial Auto Insurance

If new locations add vehicles.

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Have an advisor review the whole stack →

Common Questions