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 foundation of a comprehensive commercial insurance package for California contractors, subcontractors, and trade specialists.
Liability insurance for California contractors offers critical protection against third-party claims, including lawsuits, bodily injury, and property damage.
The Contractors State License Board (CSLB) requires general liability insurance for Limited Liability Companies (LLCs) as part of their licensing requirements. The required coverage amounts are as follows:
- $1 million for LLCs with five or fewer personnel
- An additional $100,000 for each additional personnel, up to a maximum of $5 million
California contractor liability insurance provides essential coverage for the following:
- Liability Assumed Under a Contract
- Products-Completed Operations
- Defense Costs
- And More
Visit the California Contractors State License Board (CSLB) for the most current information and to ensure compliance.
Workers' Comp
Workers' Comp
California contractors’ workers’ compensation insurance covers medical expenses and lost wages for employees affected by work-related incidents.
Employers without workers comp insurance for contractors in California face significant fines, lawsuits, and even criminal penalties.
The Contractors State License Board (CSLB) requires California contractor workers’ compensation coverage to protect workers from job-related injuries or illnesses. Additionally, certain licenses require workers’ compensation insurance even if the contractor has no employees. This mandate applies to the following classifications:
- C-8: Concrete Contractors
- C-20: Warm-Air Heating, Ventilating, and Air-Conditioning (HVAC) Contractors
- C-22: Asbestos Abatement Contractors
- C-39: Roofing Contractors
- C-61/D-49: Tree Service Contractors
Failure to comply with these requirements can jeopardize your license, result in severe financial penalties, and disrupt business operations.
Surety Bonds
Surety Bonds
The Contractors State License Board (CSLB) requires contractors to maintain a California contractor license bond to operate legally and protect clients. The required bond amounts are as follows:
- $25,000 for licensed contractors
- $100,000 LLC Employee/Worker Bond for contractors operating as a Limited Liability Company
Business owners who fail to comply with California contractor bond requirements may face project delays, legal penalties, and loss of client trust.
A contractor surety bond in California guarantees adherence to project terms and provides essential protection against:
- Defective workmanship
- License law violations
- Wage claims from employees
For the most current information and to ensure compliance, visit the California Contractors State License Board (CSLB).
Commercial Auto
Commercial Auto
California contractors’ commercial auto insurance protects business vehicles against accidents, theft, and other unforeseen events.
Companies can avoid significant financial losses, legal complications, and operational disruptions with business auto insurance for contractors in California.
Commercial vehicle insurance for California contractors ensures compliance with state regulations and offers coverage options tailored to the unique needs of contracting businesses, including:
- Up to $1 Million Combined Single Limits
- Comprehensive Coverage
- Collision Coverage
- Hired and Non-Owned Auto Coverage
- Medical Payments (Med Pay)
Inland Marine
Inland Marine
California contractors’ tools and equipment insurance provides all-risk protection for tools, equipment, and machinery in use, transit, or storage.
Without contractors’ equipment insurance in California, businesses risk financial loss due to theft, vandalism, or unexpected damage.
Inland marine insurance for California contractors includes options such as:
- Customizable Limits to Match Your Business Needs
- Water, Fire, and Other Peril Coverage
- Installation Coverage for Materials and Supplies at Job Sites
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