- Request a quoteA licensed agent follows up with you
- Coverage we can talk throughLiability, workers’ comp, auto and bonds
- Licensed in CaliforniaInsurance license 6019379
- Talk to a licensed agent(619) 382-3810
Coverage we can talk through
Which lines apply depends on how your business actually runs.
- Commercial Property & LiabilityProperty coverage for business property that is stolen, damaged or destroyed by a covered peril, plus liability coverage for the business.Ask about it
- Workers' CompensationProvides benefits after an employee’s work-related injury or illness.Ask about it
- Commercial AutoProtects the business from liability stemming from vehicles used in the business, and can cover damage to the vehicle.Ask about it
- Inland MarineA specialized type of property insurance, mainly for business property while it is being transported.Ask about it
- BondsAssures a customer that the work will be completed. Often needed to win contracts.Ask about it
Sources: California Department of Insurance, Commercial Insurance Guide; Insurance Information Institute; U.S. Small Business Administration. Coverage, price and approval are decided by the insurance company.
FAQ
Contractor insurance, explained plainly
What bond does a California contractor license need?
A $25,000 contractor license bond. The Contractors State License Board says the amount increased to $25,000 on January 1, 2023, under Senate Bill 607.
Do contractors need workers’ comp?
California law requires employers, including those in construction, to carry workers’ compensation insurance, even if they have only one employee. To keep an active license, CSLB needs a certificate of workers’ comp insurance, a certification of self-insurance, or a signed exemption saying you have no employees.
Which trades need workers’ comp even with no employees?
CSLB lists C-8 Concrete, C-20 Warm-Air Heating, Ventilating and Air-Conditioning, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service contractors as required to carry workers’ comp or a certification of self-insurance, whether or not they have employees.
What does property and liability insurance cover?
Property coverage for business property that is stolen, damaged or destroyed by a covered peril, plus liability coverage for the business.
What covers tools and equipment on the move?
Inland marine is a specialized type of property insurance, mainly for business property while it is being transported.
Sources: Contractors State License Board, Bond Requirements · Contractors State License Board, Workers' Compensation Requirements · California Department of Industrial Relations, workers' compensation for employers · California Department of Insurance, Commercial Insurance Guide. Coverage, price and approval are decided by the insurance company.
What to have ready
- Your trade and the kind of jobs you take on
- How many employees and vehicles you have
- What you have in place now, if anything
What happens next
- Tell us what you need. A few quick questions. It takes about two minutes.
- We review it. Someone licensed reads every request.
- We reach out. We talk it through with you. There is no obligation.
Not sure which coverage you need?
Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.
Start the conversationImportant information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.