Contractor Insurance
Insurance That Protects Your Contracting Business
From general liability to workers’ compensation, the right coverage keeps you on jobs and protects everything you’ve built. Our affiliated agency specializes in California contractors.
Confused About the Coverage You Need?
Are you confused about the type of insurance coverage you need to stay compliant and protect your construction business? Do you have questions about the difference between bonds and insurance? Are you not getting straightforward answers specific to your business as a contractor?
You’re not alone. Many of our students struggle to figure out their individual insurance and bond needs; there are so many factors to consider when picking the right coverage. When you’re getting contradictory information from carriers that may not be familiar with the construction industry, it can become overwhelming. You need the right advice to make the right decisions, especially as a new contractor launching your business.
What you need are insurance experts who specialize in the construction industry.
That’s why we’ve partnered with the Construction Insurance Agency (CIA) to help you simplify the process of buying insurance and bonds and make the most cost-effective decisions for your long-term success. As our partner, CIA shops all the major carriers for you and puts together an insurance package that’s perfect for your specific needs, whether you’re General A, B, B-2, or any other trade.
Insurance is also different from your contractor license bond. Your $25,000 bond protects your clients and the state; insurance protects you, your workers, and your family if a work situation goes wrong. Most California contractors carry both.
Call 800-432-7979 today for your free consultation.
This page is general information about contractor insurance and is not legal or insurance advice.
Coverage Types
Common Coverage for California Contractors
The protection most contractors need, mixed and matched to fit your trade and your business.
General Liability Insurance
General liability covers third-party claims for property damage or bodily injury tied to your work. Many clients, general contractors, and project owners will not let you on the job without proof of it, so it is often the coverage that wins (or loses) you work.
Workers' Compensation
If you have employees, California generally requires workers' compensation coverage. It pays for medical care and lost wages if a worker is injured on the job and protects you from the costs of those claims.
Commercial Auto
Trucks and vehicles used for your business usually need commercial auto coverage rather than a personal policy. It protects your vehicles, tools in transit, and your business if there is an accident on the way to or from a job.
Builders Risk Insurance
Builders risk covers a project under construction (the structure, materials, and equipment on site) against fire, theft, weather, and other losses while the job is in progress, before it is finished and handed over.
Tools & Equipment
Your tools are your livelihood. Inland marine or tools-and-equipment coverage helps replace gear that is stolen, damaged, or lost so a setback does not stop your work.
Common Questions
Contractor Insurance Questions
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