General Contractor Insurance for California Construction Firms
Running a general contracting operation means managing crews, coordinating multiple subcontractors, and holding responsibility for the safety and quality of work across your entire project. Your insurance needs to reflect that complexity.
- Coverage for your liability plus the liability of subcontractors under your supervision
- Workers' compensation and commercial auto protection tailored to construction operations
- Multi-carrier quotes to find coverage that understands construction risk in California
General contracting is one of the highest-liability construction professions. As a general contractor, you're responsible for managing a project from concept through completion, often juggling multiple crews, dozens of subcontractors, material deliveries, equipment safety, and regulatory compliance all at once. Your liability exposure extends beyond your own work; you're legally responsible for supervising subcontractors, ensuring they're properly licensed, managing their insurance requirements, and protecting yourself and the property owner if something goes wrong. A single jobsite injury, a failed wall, faulty electrical work hidden inside a wall for years, or a theft of materials can expose you to lawsuits that dwarf the value of the project itself. Insurance isn't optional for general contractors — it's foundational to protecting your business, your assets, and your professional reputation.
California construction is especially complex. Labor law in the state is worker-protective and contractor-strict, meaning disputes over liability, wage claims, and worker classification can drag general contractors through costly litigation. Residential renovation differs from new-construction management differs from commercial buildouts, and each carries distinct risks and coverage needs. The state's licensing requirements for general contractors (Class B and related classifications) come with implicit insurance obligations that aren't always spelled out clearly but matter enormously if a claim arises. Add in California's seismic and wildfire exposure, the ongoing tight labor market that keeps crew availability and cost uncertain, and the reality that many general contractors operate on margins that can't absorb a major uninsured loss, and it becomes clear that proper insurance isn't a luxury — it's survival.
Most general contractors carry general liability insurance, but general liability alone is dangerously incomplete. Workers' compensation is mandated by law if you have employees, but many GCs don't fully account for how their exposure extends through subcontractor relationships. Commercial auto coverage is often an afterthought even though tools, materials, and crews move regularly on and off job sites. Builder's risk protects the project itself while it's under construction, but many small GCs don't realize they need it or think it's the property owner's responsibility. Completed operations coverage, subcontractor default insurance, and professional liability for design-build work fill gaps that generic business policies simply don't address. The result is that many general contractors believe they're fully insured when in reality they're one claim away from losing everything.
At Covered By Us, we work with general contractors across the Inland Empire, Los Angeles County, Orange County, and throughout Southern California. We understand the structure of construction projects, the legal and practical roles general contractors play, and the specific insurance gaps that trip up firms in this industry. We shop multiple carriers to find coverage that takes your business seriously, and we build policies that protect you without overlapping coverage you don't need. Whether you're a sole proprietor managing residential remodels, a growing firm handling new construction projects, a contractor bidding public work, or a company managing a portfolio of complex jobs simultaneously, we'll make sure your insurance actually fits your operation.
Who Needs General Contractor Insurance
General contractor insurance needs vary widely depending on the size, scope, and type of work. Here are the contractor profiles for whom robust coverage is essential:
Small General Contractors Managing Residential Remodels
Owner-operators and small crews doing kitchen remodels, bathroom upgrades, room additions, and home renovations face liability for every aspect of a project from demolition through final inspection. A mistake during framing, improper electrical installation, or water damage from faulty plumbing can trigger lawsuits from property owners. Smaller GCs often operate on thin margins and can't absorb an uninsured loss, making comprehensive general liability and workers' compensation essential.
General Contractors Managing New-Construction Projects
Building new homes or commercial buildings requires coordinating foundation work, framing, electrical, plumbing, HVAC, roofing, and finishing — each phase introduces distinct risks. GCs managing new construction need builder's risk coverage to protect the project during construction, general liability for their own operations, and subcontractor-management coverage to handle the reality that any one of a dozen subcontractors could cause a catastrophic failure. New-construction projects often run for months or years, extending exposure over a longer timeframe.
General Contractors Bidding Public and Commercial Work
Public agencies and large commercial property owners often require contractors to carry specific coverage amounts, specific endorsements, or maintain certain policy terms as a condition of bidding. Bonding requirements for public work create additional insurance dependencies. GCs pursuing this work need policies tailored to meet those requirements and agents who understand public-sector procurement nuances.
General Contractors with Heavy Subcontractor Reliance
Larger GCs who specialize in managing subcontractors rather than performing direct labor face unique liability. If a plumbing subcontractor misses a critical inspection, if a framing crew installs structural elements incorrectly, or if an electrical subcontractor creates a fire hazard, the GC is often held responsible even though the work wasn't performed by the GC's own employees. These firms need comprehensive subcontractor default insurance and rigorous scope-of-work definition in their policies.
Owner-Builders Acting as Their Own General Contractor
Some property owners manage their own construction projects, making them de facto general contractors. They may not think of themselves as needing contractor insurance, but once they're supervising work, hiring subcontractors, or managing a construction site, they carry the same liability as a licensed general contractor. Specialty policies exist for owner-builders that bridge the gap between homeowners coverage and full commercial contractor policies.
Design-Build Contractors Managing Design and Construction
Design-build firms that provide both design and construction services carry higher liability exposure because design flaws can trigger claims many years after completion. These firms need professional liability coverage for the design component, completed operations coverage for long-tail claims, and integrated policies that recognize the blended nature of design-build risk.
What General Contractor Insurance Covers
General Liability Insurance
Covers bodily injury and property damage claims arising from your construction operations. If a visitor is injured on your job site, a tool falls and damages a neighboring property, or a subcontractor is hurt, general liability protects you from lawsuits and medical bills. This is the foundation of contractor insurance, and coverage limits typically range from $1 million to $5 million depending on project size and risk. Many commercial property owners and public agencies require minimum limits of $1-2 million as a condition of contracting.
Workers' Compensation Insurance
Mandated by California law if you have any employees, workers' compensation covers medical expenses and lost wages for employees injured on the job. It also protects you from being sued by employees for workplace injuries because workers' comp is an exclusive remedy — once an employee files a workers' comp claim, that's their only recourse, protecting the business from additional liability lawsuits. Even small crews with just one employee need coverage; the cost is often lower than many contractors expect.
Commercial Auto Insurance
Covers vehicles used in your construction business — trucks transporting tools and materials, crew vehicles shuttling workers between job sites, and equipment trailers. Commercial auto differs from personal auto insurance in scope and coverage limits. Many general contractors use personal vehicles for business purposes without realizing their personal policy excludes business use, creating a coverage gap. Dedicated commercial auto insurance ensures you're protected during daily construction operations.
Builder's Risk Insurance
Protects the structure under construction and materials on-site during the building process. Builder's risk covers completed work, materials in storage, tools and equipment on-site, and temporary structures. This coverage applies to damage from weather, theft, vandalism, and other perils while construction is ongoing. Once the project is substantially complete and the property owner takes occupancy, builder's risk expires and the property owner's homeowners or commercial property policy takes over. This is often required by lenders and property owners as a condition of construction financing.
Commercial Umbrella or Excess Liability Insurance
Provides additional liability coverage above your general liability limits. If a major claim exceeds your underlying general liability limit, umbrella insurance fills the gap. Limits typically range from $1 million to $5 million in excess coverage. Umbrella policies are cost-effective relative to raising base general liability limits and are particularly valuable for GCs managing larger projects or higher-value properties where a single claim could be catastrophic.
Completed Operations Coverage
Extends liability protection after a project is finished. If a wall fails a year after completion, if a roof leaks after the contractor's warranty expires, or if faulty wiring creates a fire risk weeks or months later, completed operations coverage protects you. This long-tail exposure is especially important for remodelers and new-construction firms. Coverage typically extends 1-5 years after project completion depending on the policy. Without this, you're self-insured for defects discovered post-completion.
Subcontractor Default or Wrap-Up Insurance
Protects you if a subcontractor fails to carry required insurance, drops coverage mid-project, or causes damage in excess of their own insurance limits. Wrap-up insurance essentially backstops subcontractor insurance shortfalls, ensuring the project and your firm are protected even if a subcontractor's insurance is inadequate. This is especially valuable when managing multiple subcontractors and helps you avoid the administrative burden of policing every subcontractor's insurance status.
Professional Liability Insurance for Design-Build
For design-build contractors or GCs offering design services, professional liability covers claims arising from design errors, inadequate project specifications, or negligent professional advice. Design liability differs from construction liability and requires dedicated coverage. Claims can emerge years after project completion as hidden defects become apparent, making this long-tail coverage essential for firms offering any design component.
Business Owners Policy (BOP) with Contractor Modifications
Bundles general liability, commercial property, and business interruption coverage into one policy. For smaller GCs operating out of an office, yard space, or storage facility, a BOP can cover the business property itself alongside liability. Some BOP policies can be modified to accommodate contractor-specific needs, though comprehensive contractor policies often provide better customization.
Equipment and Tools Coverage
Protects expensive tools, power equipment, and machinery from theft, damage, or loss. For contractors with significant equipment investment — scaffolding, compressors, saws, generators, lifts — dedicated equipment coverage ensures replacement value is protected. Some policies include coverage for equipment in transit, in storage, and on active job sites, while others have geographic or use-specific limitations.
How to Get General Contractor Insurance Coverage
Securing the right general contractor insurance involves more than a quick online quote. The process requires understanding your specific operations, comparing carriers familiar with construction risk, and building a policy that genuinely protects your business. Here's how the process works:
Document Your Construction Operations
Start by gathering details about your business: What type of construction do you do (residential remodels, new construction, commercial, heavy civil)? How many employees do you have, and what roles do they fill (crew supervisors, electricians, carpenters, laborers)? What's your average project size and duration? How many subcontractors do you typically manage on a single project? Do you bid public work, and if so, what coverage do agencies require? Do you provide any design services? What's your annual revenue? Having this information organized saves time and ensures quotes are accurate. Different carriers have different underwriting for residential versus commercial work, single-family versus multi-unit, and small versus large operations, so complete information is essential.
Assess Your Current Coverage and Gaps
If you already carry insurance, review your existing policies. What does your current general liability cover, and what are the limits? Do you have workers' compensation, and does it cover all your employees? Do you carry builder's risk, completed operations, or commercial auto? Comparing your current coverage against your operations often reveals gaps — many contractors discover they're missing builder's risk, completed operations, or subcontractor-management coverage. Being honest about what's currently missing helps your agent focus on the gaps that matter most.
Work with an Agent Experienced in Construction
Meet with an independent agent who understands general contracting specifically. Construction risk differs significantly from other commercial operations, and an agent unfamiliar with construction can miss critical gaps or quote inadequate coverage. The agent should ask detailed questions about your operations, your project types, your subcontractor management practices, and your risk profile. This isn't a transaction — it's a conversation aimed at understanding your business well enough to protect it.
Review and Compare Multi-Carrier Quotes
Your agent shops multiple carriers and brings back quotes from at least three insurers, each showing identical coverage so you can compare cost and structure directly. You'll see different premium levels for identical coverage, different deductible options, and sometimes different approaches to subcontractor coverage or completed-operations protection. The agent explains the tradeoffs: why one carrier is more expensive, whether the extra cost buys meaningfully better coverage, and which carrier's policy structure best fits your operation. Don't accept the cheapest quote reflexively — cheaper coverage often means narrower protection.
Select Your Coverage Limits and Endorsements
With your agent's guidance, you'll choose your general liability limit (typically $1M-$5M depending on project type and size), whether to carry commercial umbrella coverage, your workers' compensation limits, whether to include builder's risk and for what project values, and critical endorsements like completed operations and subcontractor default. The agent helps you balance cost against protection: raising your general liability limit from $1M to $2M might add annual cost, but protects you against claims exceeding the lower limit. Adding subcontractor default insurance costs more but protects you if a sub drops coverage mid-project.
Complete Underwriting and Application
You'll complete a detailed application providing information about your business structure, employee count, project types, claims history, revenue, and safety practices. The insurance company conducts underwriting — they may review past projects, verify your licensing status with CSLB, request loss-run history, and assess your safety practices and subcontractor-management systems. This typically takes 5-10 business days. Being thorough and honest in your application is critical; misrepresenting facts or omitting information can lead to claim denials later.
Receive Declarations and Review Policy Details
Once approved, you'll receive your policy declarations page and full policy documents. Take time to review: understand your coverage limits, deductibles, exclusions, and what endorsements are included. Verify the coverage matches what was quoted. Review the policy's definition of 'insured' — does it include all your employees and your entity structure? Confirm completed-operations tail dates and whether coverage extends past project completion. Read the exclusions section carefully; insurance is often about what it doesn't cover.
Pay Your Premium and Maintain Coverage
Pay your annual or semi-annual premium according to the billing schedule. Some carriers offer monthly payment plans. Your coverage becomes effective on the payment date and policy start date. Never allow your coverage to lapse — if your policy expires and you're working uninsured, you lose protection and violate insurance requirements mandated by many clients and lenders. Set renewal reminders in your calendar and reach out to your agent 30-60 days before renewal to discuss coverage changes and shop for potential savings.
Common Coverage Gaps & Risks for California General Contractors
General contractors often discover gaps in their coverage only when a claim arises. Understanding these risks helps you close the gaps before they cost you.
Liability for Subcontractor Errors and Omissions
You're responsible for supervising subcontractors and ensuring work meets code and specifications. If an electrical subcontractor's poor installation creates a fire hazard, if a framing crew misaligns structural elements, or if a plumbing crew's work causes water damage, liability falls back on you as the general contractor overseeing the project. Standard general liability covers this to some degree, but subcontractor default insurance ensures you're protected if a sub's coverage is inadequate or non-existent.
Jobsite Injuries Across Multiple Trades
With multiple crews working simultaneously, the risk of serious injury increases. A visitor slips on a wet floor in an area your crew just worked; a subcontractor's employee is hit by equipment your crew operates; a worker from another trade suffers heat stress in an area your crew failed to ventilate properly. Workers' compensation covers your own employees, but general liability must cover the rest. Adequate coverage limits are essential when coordinating multiple trades.
Project Delay and Cost-Overrun Disputes
Weather delays, permit hold-ups, supply-chain disruptions, or design changes can delay projects significantly. Disputes with property owners over schedule delays, cost overruns, and change-order liability can result in claims even when work quality is good. Some of these disputes evolve into litigation over contract interpretation or negligence claims. Professional liability and contract-dispute coverage can protect against these financial exposures.
Faulty Workmanship Claims Discovered After Completion
Defects discovered months or years after a project is complete — a roof leak, foundation crack, electrical failure, or structural issue — can trigger claims despite the contractor's warranty having expired. Completed operations coverage is critical for protecting against long-tail defect claims. Without this, you're personally liable for repairs even years after you've moved on to other projects.
Theft and Vandalism on Active Job Sites
Construction sites are frequent targets for tool theft, equipment vandalism, and material loss. Copper wiring, fixtures, appliances, and specialized equipment disappear regularly, particularly on larger projects in urban areas. Standard general liability doesn't cover theft of materials or tools; builder's risk or equipment coverage does. Loss can erode profit margins significantly, especially on jobs where material costs are tight.
Licensing and Bonding Compliance Risk
California's Contractors State License Board (CSLB) requires Class B general contractors to maintain licensing and, in some cases, bonding. Working without active licensing, allowing a license to lapse, or failing to maintain required insurance can result in fines, loss of bonding, and inability to pursue future work. Additionally, unlicensed subcontractors can create liability exposure if their work causes injury or damage; you're responsible for verifying contractor licenses before allowing work.
Client Payment and Mechanic's Lien Disputes
Payment disputes with property owners or developers can escalate into litigation or mechanic's lien disputes. If a property owner withholds payment claiming defective work, if a lien claimant disputes payment, or if you need to file a lien to secure payment for work completed, dispute resolution can be expensive and time-consuming. Bonding and payment-bond coverage protect against nonpayment and lien disputes, particularly on commercial and public-sector work.
California Natural Disaster Exposure Without Coverage
Wildfire can destroy job sites, materials, and completed work. Earthquake can damage structures under construction. Standard builder's risk and general liability policies may not cover natural disaster damage, or may require specific endorsements. In wildfire-prone areas, ensuring your builder's risk policy and general liability include disaster coverage is essential. Materials and completed work can represent significant value — inadequate natural-disaster coverage could leave you uninsured for partial or total job-site loss.
California-Specific Requirements for General Contractors
California's regulatory environment for construction is more complex and more protective of workers than most states. General contractors operating in California must navigate licensing requirements through the Contractors State License Board (CSLB), comply with worker classification and wage-and-hour laws that are stricter than federal minimums, maintain workers' compensation insurance if they have any employees, and adhere to strict liability standards if they manage subcontractors. Understanding these requirements helps ensure your insurance strategy actually meets what the law and your clients will require.
The CSLB issues Class B general contractor licenses and several related classifications, each carrying implicit insurance obligations. While CSLB doesn't directly mandate specific insurance coverage amounts, licensing requirements indirectly assume that contractors carry insurance to manage liability exposure. Additionally, California's strict liability environment means general contractors are often held responsible for subcontractor negligence and defects discovered long after project completion. Clients, lenders, and public agencies frequently impose insurance requirements as contract conditions; understanding what those typically look like helps you ensure your policy meets real-world expectations.
California labor law creates additional complexity. Workers' compensation is mandatory if you have any employees, but the definition of 'employee' is broader and more protective of workers than many contractors expect. Misclassifying an employee as an independent contractor can result in substantial penalties. Similarly, when managing subcontractors, you're responsible for verifying they're properly licensed and insured before allowing them to work. These responsibilities don't create insurance requirements directly, but they shape what coverage you actually need to protect yourself if a subcontractor-related claim arises.
Class B General Contractor Licensing and Insurance Context
California's CSLB issues Class B general contractor licenses for contractors who manage the labor and materials of other contractors. While CSLB licensing doesn't mandate specific insurance amounts, the licensing system assumes contractors carry liability coverage appropriate to their work. Public agencies and commercial property owners routinely require proof of insurance as a condition of contracting. General liability limits of $1-2 million are typical minimums for significant projects, and many public works require $2+ million. Your insurance strategy should account for what clients typically require, not just what the law technically mandates.
Workers' Compensation Requirement for Employees
California law requires contractors with any employees to carry workers' compensation insurance. The requirement applies even if you have just one employee, and even if an employee works part-time. Failure to carry coverage can result in fines from the state's Division of Workers' Compensation, civil liability for employee injuries, and potential criminal penalties in cases of serious injury or death. Many contractors underestimate coverage needs by misclassifying employees as independent contractors; California's legal standard for employee classification is broader than federal standards and favors treating workers as employees.
Subcontractor Licensing Verification and Management
As a general contractor, you're responsible for verifying that subcontractors are properly licensed and insured before allowing them to work on your projects. Using an unlicensed subcontractor creates dual liability: both the subcontractor and you face CSLB penalties, and if the unlicensed subcontractor's work causes injury or damage, you're liable for the full extent of damages because the subcontractor has no insurance to respond. Implementing a system to verify subcontractor licenses and track insurance certificates protects you and ensures your insurance has a clear scope of responsibility.
Wildfire and Disaster Exposure in California Construction
Wildfires, earthquakes, and severe weather create California-specific construction risks. Builder's risk policies covering projects in high-fire-threat areas often require mandatory wildfire endorsements, proof of defensible space measures, or even may be unavailable in the highest-risk zones. Similarly, earthquake coverage for materials and partially completed structures is available but not automatic. Understanding your project's location and natural-disaster exposure helps you ensure your builder's risk coverage is adequate for California's specific hazards.
Public Works Bonding and Performance Requirements
Public agencies and many large commercial developers require performance bonds, payment bonds, or bid bonds as a condition of contracting. These bonds are backed by an insurance company or surety firm and guarantee you'll complete work as specified or pay damages. Bonding capacity depends partly on your insurance coverage; carriers underwriting your bonding will review your general liability and other insurance before issuing bonds. Understanding bonding requirements upfront helps you ensure your insurance will support the bonding you need to pursue public work.
What Affects Your General Contractor Insurance Rate
- Type of construction you specialize in — residential remodeling typically costs less to insure than new commercial construction; structural work or heavy civil commands higher premiums than finish work; specialized trades like elevator installation carry different risk profiles than framing
- Project size and complexity — smaller residential projects typically have lower premiums than large commercial projects; higher contract values attract closer underwriting scrutiny and sometimes higher rates
- Your claims history — prior claims on your record increase premiums; a clean record over multiple years can earn better rates; severity of past claims matters more than frequency
- Employee count and payroll — more employees mean higher workers' compensation costs; larger payroll exposes the company to higher risk; some carriers underwrite workers' comp separately from general liability
- Your safety record and practices — documented safety programs, regular employee training, and low injury rates can earn discounts; lack of visible safety practices increases premiums; some carriers require safety audits before quoting
- Subcontractor oversight practices — carriers favor contractors who verify subcontractor licenses and insurance before work begins; documented subcontractor-management systems can lower premiums; weak oversight increases rates because the carrier assumes higher residual risk
- Your annual revenue and project volume — larger, more established contractors often qualify for better rates; sole proprietors working part-time may face higher per-project costs; some carriers have minimum premiums that apply to very small operations
- Geographic location and regional risk — construction in high-fire-threat zones carries higher builder's risk premiums; urban areas with higher injury claim frequency may have higher workers' comp rates; California statewide rates reflect the state's strict liability environment relative to other states
- Coverage limits and deductible choices — higher liability limits increase premium; higher deductibles lower premium; adding completed operations, subcontractor default, or umbrella coverage increases cost; choosing narrower coverage reduces premium but increases your risk
General Contractor Insurance Terminology Explained
Understanding these key terms helps you navigate contractor insurance conversations and policies with confidence:
- General Liability Insurance
- Covers bodily injury and property damage claims arising from your construction operations. If someone is injured on your job site or damage is caused to neighboring properties, general liability is the primary protection. This is the foundation of contractor insurance.
- Completed Operations Coverage
- Extends liability protection after a project is completed. If a defect surfaces days, months, or years after work is finished, completed operations coverage protects you. Most policies cover completed operations for 1-5 years after project completion, which is essential for managing long-tail defect claims.
- Builder's Risk Insurance
- Protects the structure under construction, materials on-site, and completed work during the building process. Builder's risk is typically project-specific and expires once construction is substantially complete and the property owner takes occupancy. This coverage is often required by lenders and property owners.
- Subcontractor Default Insurance (or Wrap-Up Coverage)
- Protects the general contractor if a subcontractor fails to carry required insurance, drops coverage mid-project, or causes damage exceeding their own insurance limits. This coverage ensures you're protected even if a subcontractor's insurance is inadequate or non-existent.
- Class B General Contractor License
- The standard California contractor license issued by the Contractors State License Board (CSLB) for contractors who manage the labor and materials of other contractors. Class B licensure is required to legally operate as a general contractor in California and is distinct from specialty contractor licenses for specific trades.
- Performance Bond
- A guarantee (backed by an insurance company or surety) that you'll complete work as contracted or the bond guarantor will cover costs. Performance bonds are commonly required on public work and large commercial projects as a condition of bidding.
- Loss Run or Claims History Report
- A document from your insurance carrier showing all claims filed against your insurance policies over a specified period (typically 3-5 years). Insurers review loss runs during underwriting to assess your historical risk. A clean loss run (no claims) usually qualifies for better rates.
- Deductible
- The amount you pay out of pocket toward a claim before insurance coverage kicks in. Higher deductibles lower premiums; lower deductibles increase premiums. Choosing the right deductible balances affordability against out-of-pocket exposure if a claim occurs.
Why Covered By Us for General Contractor Insurance
We're an independent insurance agency based in Pomona, serving construction contractors throughout the Inland Empire, Los Angeles County, Orange County, and California statewide. Because we're independent, we work with multiple carriers who understand construction risk — we're not locked into one insurer's appetite or pricing. We shop your business against carriers that actively underwrite general contractors, not insurance companies that tolerate contractors as a secondary market segment. We know which carriers favor residential remodelers, which prefer new-construction work, which understand design-build complexity, and which have the appetite for larger commercial projects. That expertise means we can find coverage that actually fits your operation rather than forcing you into a generic business policy that leaves gaps.
We ask detailed questions about your construction practice before we ever run a quote. What types of projects do you specialize in? How do you manage subcontractors? What's your safety culture and track record? Do you bid public work, and if so, what are the coverage requirements? Our goal is understanding your business deeply enough that the insurance we place actually protects you rather than just existing on paper. If your circumstances change — you add an employee, you expand into commercial work, you add a design-build component — we revisit your coverage so you're never under-insured or paying for coverage you don't need. We'll review your contracts to confirm your insurance requirements match what clients actually demand, and we'll help you navigate subcontractor insurance verification so you're protected even when your subs have gaps.
When you work with Covered By Us, you get an agent who understands that general contracting is about managing complexity — multiple crews, numerous subcontractors, regulatory compliance, and risk that extends long after a project is complete. We know how to translate that complexity into a policy that protects you. We handle the underwriting, field carrier questions, and manage policy placement so you can focus on building. If you have a claim, we advocate for you with the carrier and help navigate the claims process. Call 909-278-7053 or Start My Quote online — let's find the insurance that protects your construction business.
Frequently Asked Questions
What's the minimum general contractor insurance I need in California?
Do I need builder's risk insurance if I'm just the general contractor managing the project?
What's the difference between general liability and workers' compensation?
How do I verify that my subcontractors have adequate insurance?
What is completed operations coverage and why do I need it?
Do I need umbrella insurance as a general contractor?
What happens if I'm working without adequate insurance and a claim occurs?
How do I handle subcontractor-related liability if their insurance doesn't cover everything?
What should I do before my insurance renewal?
Are there discounts available for contractors with strong safety records?
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