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Industry Expertise

Construction & Contractors

In California, general liability is expected before a landlord, general contractor, or client will let you on site, and a contractor's license through the CSLB requires a bond and workers' comp once you have employees. A single job-site accident or a claim that your work caused damage can outrun a small contractor's cash, which is why certificates of insurance get requested before the first day of work.

Coverage to Consider Schedule Consultation

Who this coverage is for

This fits general contractors, subcontractors, and specialty trades such as electricians, plumbers, framers, roofers, and concrete crews. It also suits handyman operations and remodelers who work in clients' homes or on commercial sites.

What it can help protect

A contractor's policy is built around the risks of job sites and the work itself:

  • Property damage on a job site — helps pay if your work damages a client's building or a third party's property.
  • Injuries to others — medical and legal costs if a visitor or subcontractor is hurt on your site.
  • Tools and equipment — repair or replacement if gear is stolen or damaged, on-site or in transit.
  • Faulty-work claims — responds to allegations that completed work caused harm, defects, or loss.
  • Injured employees — workers' comp for medical bills and lost wages, required by California law once you hire.

Key industry risk considerations

A licensed review will usually focus on project types, subcontractors, certificates, and waivers, vehicle/equipment use and payroll, and contract requirements and safety controls.

Coverages for this industry

The coverages most relevant to Construction & Contractors, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

General Liability Insurance

Third-party injury and property damage on job sites.

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Core Often required

Workers' Compensation Insurance

Required in CA for employees; covers job-site injuries.

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Core

Commercial Auto Insurance

Covers trucks and vehicles used for work.

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Recommended

Builders Risk Insurance

Protects projects under construction from damage.

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Recommended

Commercial Umbrella / Excess Liability

Extra liability limits often required by contracts.

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Recommended

Inland Marine / Tools & Equipment

Covers tools and equipment in transit and on site.

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Situational

Surety Bonds

Often required to bid or perform contract work.

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Situational

Pollution / Environmental Liability

For work with environmental exposure.

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Have an advisor review the whole stack →

Common Questions