For a licensed PPO with no employees and no firearms, what insurance must they have?

A licensed Private Patrol Operator (PPO) with no employees and no firearms is not required to carry insurance under the California Private Security Services Act. The Act stipulates that while insurance coverage may be necessary for certain businesses or operations, specifically for those with employees or dealing with firearms, a sole proprietor operating without those factors does not have a mandated insurance requirement.

In this case, general liability insurance, worker's compensation insurance, and professional liability insurance are typically important for businesses for liability protection or employee coverage. However, they become relevant only under specific circumstances such as employment scenarios or when dealing with firearms. Thus, a licensed PPO functioning independently without employees or firearms meets the criteria for having no compulsory insurance obligations.