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California Contractor Coverage

Coverage Built for California Contractors

From general liability and workers’ compensation to bonds, inland marine, business auto, professional liability, and umbrella coverage, we help California contractors find the right protection for the work they do.

Our Coverages

Explore the Core Coverages We Offer

Insurance for contractors is not one-size-fits-all. We help match the right coverage to your trade, team, equipment, vehicles, licensing requirements, and project exposure.

General Liability

Foundational protection for common third-party claims, property damage, bodily injury, and legal expenses tied to job site operations.

  • Client property damage
  • Third-party injuries
  • Job-related incidents
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Workers’ Compensation

Required coverage for California contractors with employees, helping protect workers and the business from job-related injury exposure.

  • Medical expenses
  • Lost wages
  • Rehabilitation costs
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Business Auto

Protection for work trucks, vans, and other vehicles used to move tools, equipment, materials, and crews between jobs.

  • Vehicle accidents
  • Property damage
  • Injury claims
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Contractor License Bond

A required California bond that helps you obtain and maintain your contractor’s license while showing accountability to clients and the state.

  • Required for licensing
  • Supports compliance
  • Builds trust
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Inland Marine

Coverage for tools, materials, and equipment while in transit, in your truck, or at the job site.

  • Stolen tools
  • Transport damage
  • Job site equipment loss
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Professional Liability

Protection against claims involving mistakes, negligence, incomplete work, or financial-loss allegations tied to professional decisions.

  • Errors or omissions
  • Negligence claims
  • Financial-loss allegations
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Umbrella

Extra liability protection above existing policies like general liability, commercial auto, and workers’ compensation for larger claims that exceed standard limits.

  • Large claim protection
  • Higher liability limits
  • Added peace of mind
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Why Contractors Choose Us

We work exclusively with California contractors and understand the risks, requirements, and realities you face every day.

  • Access to 100+ carriers
  • 50+ years of experience
  • Coverage tailored to your trade
  • Support for project and contract requirements

What You Can Expect

Whether you need foundational protection, required coverage, or an added layer of protection for larger claims, we help simplify the process and guide you to the right next step.

  • Clear coverage guidance
  • Fast quote options
  • Contractor-focused recommendations
  • Cleaner path into each line of business

Need Help Choosing the Right Coverage?

Whether you need general liability, workers’ compensation, commercial auto, a contractor license bond, inland marine, professional liability, or umbrella coverage, we can help you compare options and move forward with confidence.