Contractor Insurance & Risk Management
We structure insurance programs for contractors—liability, workers' comp, auto, and bonds that meet contract specs.
Short answer: Most California contractors need general liability (GL), workers' compensation, commercial auto, and a $25,000 CSLB license bond. GL starts around $795 per year for low-risk artisan trades. Workers' comp is required once you have any employee; sole proprietors may file an exemption. LLCs must also carry at least $1 million in GL as a condition of their license.
California Contractor Insurance Coverages
Comprehensive protection from AM Best® A- or better carriers. Our independent brokers work exclusively for you to find the best coverage at competitive rates.
General Liability
Protect me from lawsuits
Pays others for injury or property damage your work causes. Not required, but most property owners insist on proof of coverage.
- Bodily injury & property damage
- Products & completed operations
- Personal & advertising injury
Workers' Compensation
Protect my team
Medical care & wage replacement for injured staff—plus lawsuit protection for you. Required once you have ANY employee.
- Medical expenses coverage
- Lost wage replacement
- Employer liability protection
Commercial Auto
Protect my vehicles
Liability & physical damage coverage when any business-use vehicle crashes. Satisfies state auto insurance requirements.
- Liability coverage
- Collision & comprehensive
- Uninsured motorist protection
Surety & License Bonds
Guarantee my work
Guarantees you'll finish the job or the surety pays. Includes CSLB license, bid, payment & performance bonds.
- CSLB license bonds
- Bid & performance bonds
- Payment & maintenance bonds
Additional Coverage
Need specialty coverage? Professional liability, cyber, or umbrella policies available.
Explore Options*Starting prices based on low-risk artisan contractor with ≤ $250k payroll. Rates are subject to change and depend on insurance company underwriting, your ongoing business operations, and claims history.
California Insurance & Bond Requirements
Select your business entity type to view specific CSLB insurance and bonding requirements.
Legal Disclaimer
This information is for general guidance only and should not be considered legal advice. Insurance and bonding requirements may change, and specific circumstances may affect your obligations. Please consult with a qualified attorney or contact the CSLB directly for current requirements applicable to your situation.
Your Local Insurance Partner
As an independent, California-focused brokerage, we work exclusively for you—not the insurance companies. Our local expertise and personalized service make all the difference.
Independent Local Broker
Based in the Bay Area, we understand California's unique contractor challenges. As an independent broker, we're not tied to any single carrier—we work for you.
Expert Market Shopping
We shop multiple carriers to find your best rates, but our in-house expertise and ongoing partnership support is what truly differentiates us from online platforms.
On-Site Availability
Need us at your jobsite or office? We're available to meet in person, review your operations, and ensure your coverage fits your actual business needs.
Safety Consultants
Our team includes experienced safety consultants who help you implement programs that reduce claims, lower premiums, and keep your workers safe.
Claims Advocacy
When claims happen, we're on your side. We report losses, coordinate with adjusters, and fight for fair settlements—because we work for you, not the carrier.
Fast Certificate Issuance
Need a COI to start work? We issue certificates of insurance—typically within 1-2 business days after your policy is bound. No delays, no lost jobs, no hassle.
Ready to secure your business?
Kick-off your quote with a licensed advisor.
California Contractor Insurance FAQs
Common questions about contractor insurance requirements and coverage options in California.
Is contractor liability insurance required in California?
How much does contractor insurance cost per month?
How quickly can I get a Certificate of Insurance (COI)?
Do I need workers' comp if I have no employees?
What insurance does a general contractor need in California?
Will my policy cover subcontractors?
What does contractor general liability cover?
Are tools and equipment covered under GL?
Can I pay workers' comp based on real-time payroll?
How long is a quote valid in California?
Last updated: January 7, 2026
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