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General liability, workers' comp, tools and equipment coverage, and commercial bonds tailored for California construction professionals.
Coverage Details
Every construction trade faces unique risks. Our contractors insurance program combines the essential coverages California builders need into one streamlined package.
General liability protects California builders from third-party claims of bodily injury and property damage. If a passerby is injured on your job site or your work damages a neighboring property, liability coverage pays for legal defense, settlements, and medical bills. Most general contractors and project owners in California require proof of liability insurance before you can step onto the job site or submit a bid.
California law requires workers' compensation for all employees, including part-time and seasonal workers. If a worker is injured on the job, workers' comp pays for medical treatment, disability benefits, and lost wages. Even sole proprietors should carry coverage, as it protects against personal liability and is required by many general contractors before you can work on their projects.
California contractors rely on expensive power tools, ladders, compressors, and specialized equipment. Tools coverage replaces or repairs stolen, lost, or damaged gear whether it is on a job site, in transit, or in storage. A theft or accident should not shut your business down while you scramble to replace the tools that keep you working.
The California State License Board requires a $25,000 contractor license bond for all licensed contractors. Beyond that, we offer performance bonds, payment bonds, and bid bonds for larger commercial projects. We also provide commercial surety bonds for license and permit requirements, auto dealer bonds, and fidelity bonds to protect your business from employee dishonesty.
FAQ
Answers to the questions California construction businesses ask us most about insurance coverage and requirements.
California requires all licensed contractors to carry a $25,000 contractor license bond through the CSLB. Workers' compensation is mandatory if you have any employees. General liability insurance is not legally required, but most general contractors, project owners, and commercial clients will not hire you without proof of coverage.
General liability covers third-party bodily injury, property damage, and personal or advertising injury. For example, if a falling tool injures a passerby or your excavation work damages a neighboring property, your policy pays for medical costs, repairs, and legal defense. It does not cover damage to your own work or property, which requires a different policy.
If you have no employees, workers' compensation is not legally required in California. However, many general contractors and project owners require sole proprietors to carry it before allowing them on site. It also protects you personally from the financial impact of a workplace injury claim.
Costs vary based on your trade, annual revenue, number of employees, project types, and coverage limits. General liability for a small contracting business typically starts around $50 to $100 per month. Workers' comp rates depend on your payroll and the risk classification of your trade. Our agents shop multiple carriers to find the best rates for your specific business.
Tools and equipment coverage can be extended to cover theft from a locked vehicle, but terms vary by policy. Some policies only cover tools on a job site, while others include off-site and transit coverage. We will review your specific needs and make sure your policy covers your equipment wherever your work takes you.
Yes. Once your policy is active, we can issue certificates of insurance on demand, often the same day. Many contractors need to provide proof of coverage to bid on projects or start work. Our team understands the urgency and provides fast turnaround on certificates and policy endorsements.