California Contractor General Liability Insurance

What It Covers

General liability insurance protects your business from common job site risks.

• Damage to a client’s property
• Injuries to customers or third parties
• Accidents that happen during your work
• Legal costs, repairs, and medical expenses

Why You Need It

While General Liability insurance is not required for a California contractor license, many clients—whether residential homeowners, commercial property managers, or general contractors— require proof of coverage before hiring.

It shows you’re professional, protects your business from costly claims, and helps keep you compliant with job and contract requirements.

For many contractors, this is one of the most important foundational policies to have in place before starting work.

What Affects Pricing

Your cost depends on a few key factors:

• Industry
• Business size
• Policy limits
• Claim history

We compare options from 100+ carriers to help you get the best rate for your specific trade and risk profile.