A couple of minutes can save you up to 65% or more with
California's leading contractors' insurance programs –
Contractors
Insurance
California
California
Contractors Insurance
Stop overpaying for coverage in the Golden State!
A couple of minutes can save you up to 65% or more with California’s leading contractors’ insurance programs –
Coverage for California Contractors
Our California Contractors' Insurance programs provide the necessary protection against unexpected business claims in the face of relentless risks –
What is California Contractors’ Insurance?
California contractors’ insurance shields against the financial perils inherent at every phase of business operations.
Why Do I Need It?
From Redding to San Diego, something unites all California contractors regardless of trade or size: they face daily hazards that can render businesses financially vulnerable if not adequately shielded against third-party property damage or injury. Employee injuries pose a substantial risk, particularly due to the utilization of power tools, heavy equipment, and a multitude of workplace hazards, all of which have the potential to result in severe injuries despite the implementation of stringent safety measures.
A robust contractors’ insurance package for California is a safety net in unforeseen circumstances, providing essential protection against the unexpected. It safeguards your business and gives you peace of mind, knowing you are prepared for any eventuality.
Protect Against the Unpredictable
All contractors, subcontractors, and specialty trades seeking to operate in California should consult the Contractors State License Board. Understanding the state requirements for licensure or bidding on projects is crucial for your business’s success and longevity.
With low rates tailored to suit any budget, our contractors’ insurance experts are ready to assist California construction companies in obtaining critical coverages to mitigate financial risk through an affordable commercial insurance portfolio.
Our Recommended Products
General Liability
General Liability
Contractors’ general liability is the understructure of a commercial insurance package for contractors operating in California.
California contractors’ general liability protects against third-party lawsuits, bodily injury, and property damage claims.
California contractors’ general liability insurance places a financial hedge around your business that protects you with the following coverages:
- Liability resulting from bodily injury or property damage
- Contractual Liability for third parties
- Products-Completed Operations
- Defense costs
Workers' Comp
Workers' Comp
The CSLB requires California contractors’ workers’ compensation insurance to financially protect workers if they are injured or become ill on the job.
California contractors’ workers’ compensation pays medical costs and lost wages for employees unable to work from a job-related injury or illness.
Employers that fail to carry California contractors’ workers’ compensation can face heavy fines, lawsuits, and criminal charges.
Surety Bonds
Surety Bonds
The CSLB requires a California contractor license bond to become licensed.
Most private and governmental project owners or managers require a California contractors’ surety bond from the start of the bidding process until the project is complete.
The California contractors’ surety bond is a financial guarantee to perform the work according to the terms of the project agreement.
A California contractors’ surety bond protects consumers damaged from defective construction, license law violations, and employees with wages due to them.
A California contractors’ license bond acts more as a business line of credit than a California contractors’ insurance policy.
Commercial Auto
Commercial Auto
California contractors’ commercial auto coverage protects your business vehicles if damaged in an accident, stolen, or other covered peril.
California contractors’ commercial auto insurance provides up to $1 million combined single limits.
California contractors’ commercial auto coverage has no limitation on the number of vehicles or drivers to be added to the policy.
Inland Marine
Inland Marine
California contractors’ inland marine provides all perils coverage for tools, equipment, and mobile machinery.
California contractors’ tools and equipment coverage financially protect tools and equipment at the job site, in transit, or storage between projects.
California contractors’ inland marine (contractors’ tool and equipment insurance) protects against fire, theft, and other covered perils.
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