If a Company Of 3 Years is Not Insured and Bonded?

Who pays for the expenses if something were to happen to a client and employee? Can this company be sued, and if so, is it required by law that they are insured and bonded?

Note: Caregiving company in California.
Update: Do they have to show client and employee that they have the insurance and bond paperwork to them that they are bonded.
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