Your Contractors Insurance Experts.
Contractors insurance is a program that combines the coverages a construction or trade business typically needs: general liability with completed operations, tools and equipment coverage, workers’ compensation, commercial auto, and the license bond the state requires. Together they may respond when a claim, an injured worker, or a damaged job site puts the business at risk.
Every job you take on carries risk, from the first estimate to long after the work is signed off. We help California contractors and tradespeople build coverage around how they actually work, whether you run a small artisan crew or manage larger projects.
Contract Requirements Clients Ask For
Many general contractors and property owners require specific wording before they will let you work. We help you provide it correctly: certificates of insurance, additional insured status for the parties who require it, waiver of subrogation, and primary and non-contributory wording. Getting these right up front keeps you on the job and off the sidelines.
Workers’ Compensation for Contractors
Workers’ compensation is required once you have any employees. Contractors in California are licensed through the Contractors State License Board (CSLB), which requires a contractor bond to hold an active license, and roofing contractors face specific workers’ comp rules.
How Contractors Insurance Works in California
Construction-defect and completed-operations exposure is a real concern in California, so completed-operations coverage matters well after a project wraps. We help you line up licensing-related coverage with the liability and workers’ comp your work demands. If a claim happens, we advocate for you.
