General Contractor Insurance in California

  • Compare quotes in minutes, with no obligation to buy
  • Buy online and receive coverage confirmation – instantly
  • Access only top-quality insurance companies (A-rated or better)

Get instant quotes

Do general contractors need insurance in California?

Construction sites can be dangerous to be. A simple accident could create an expensive liability issue for small-scale companies, regardless of regardless of whether you are working on commercial or residential projects. Insurance for contractors protects California companies from expensive delays, accidents and other issues that are common to many businesses.

Contractor insurance is a shorthand term for different types of coverage a general contractor might think about.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Find out more about California contractor insurance and how BizInsure can help you to find the right coverage for your requirements.

Who needs contractor insurance in California?

Many contractors opt to buy insurance to safeguard themselves and their businesses. General Liability insurance and other kinds of insurance can offer a security insurance that is essential for your business.

It is possible that you will require specific types of insurance to be able to work with certain clients. This requirement is usually included in contracts.

Select your occupation from the list below to get more information about the options available for insurance and to start with a personalized insurance quote.

Customer service icon

Contact our licensed agents today

You’ll be able to rest assured that you’ve got top-rated insurance at a competitive price.
BizInsure’s knowledgeable and licensed agents are available to assist you in choosing the best product for your business.

What are the most common insurance policies for California contractors?

California tradespeople consider several types of insurance for contractors. These insurance policies can assist you in coping with the most common risks that contractors face while working.

General Liability Insurance

At the construction site, anything can occur. Even a simple mistake, like leaving your tools on the wrong side of the road could cause your business to suffer if someone gets hurt.

General Liability Insurance Also called Commercial General Liability (CGL) or “slip-and-fall coverage”, can protect your company against claims for bodily injuries and property damage from third parties.

Your General Liability policy can protect you against claims by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

Business Owner’s Policy

The construction industry isn’t without its difficulties. It can be difficult to deliver on your commitments when facing interruptions to projects or equipment that is damaged, among other problems.

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service. BOPs can be customized to meet the requirements of your business. This can be a convenient and cost-effective way to protect yourself against many common dangers that general contractors are exposed to.

Workers’ Compensation Insurance

If your business relies on your employees, you need to make sure they are safe and healthy while at work.

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Any business must have Workers’ Compensation insurance in California if they have one or more employees working at the company.

What does California contractor insurance cover?

Contractor insurance can protect you and your business from a variety of risks. Based on the types of insurance you choose, certain events could be covered such as:

  • Coverage for Third-Party Injury and Property Damage Claims (General Liability)
  • Unexpected Business Interruptions (Business Owner’s Policy)
  • Equipment breakdown (BOP)
  • Workplace injuries and illness(Workers’ Compensation)

How much does CA contractor insurance cost?

The prices of business insurance differ because insurers have to take into consideration a range of variables. Your business’s insurance cost may be influenced by

  • What kind of insurance are you looking for?
  • The size of your company (annual revenue)
  • How many people can be covered under the policy?
  • Your claim are based on your past
  • Select the coverage level you want

How BizInsure helps contractors thrive in The Golden State

BizInsure makes it easy to protect your contracting business.

In just 10 minutes you can compare quotes to discover coverage that fits your budget, needs, and budget. You’ll be covered immediately, with policy documents delivered straight into your email.

Need some assistance? We are always happy to assist you!

Compare multiple quotes for California general contractors now to find the most affordable coverage.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
Kalab was excellent. Great, great Agent. Every step was organized and well planned. I WILL recommend your firm to anyone. Thank you...
Easy to renew Policy
Plain S.
Great total experience. The agent was professional, knowledgeable,and a pleasure to work with. The fastest business insurance purchase I've ever experience. I highly recommend Bizinsure.
Tony W.
Communication was excellent and the process was easy.
Jessie R.
I have been using Bizinsure for several years and find the ease of renewing as well as generating additional insured certificates to be easy and useful, especially as a sole prop. thank you
Michelle C.
Kaleb tailored the right coverage to our business. Customer service was good and gave great understanding of coverage. Thank you from Goleda's Gentle Homecare LLC
Aneesah M.
Supreme A.
Easiest & fastest online quote and purchasing experience out there. Inside of 10 minutes I had a quote, payment draft, and policy in force... and at the most competitive GL rates I found.
Rusty H.
very quick and prompt service.
Sally Jo W.
caleb was great in helping me navigate thecorrect liabilty insurance for my company
Lindsay Erin P.
Friendly fast service I recommend you to all vendors
Terry R.
Kemi S.
Great Customer service and easy renewal process!!!! I would refer this company to anyone.
Chris H.
Great company easy to work with, Andrew was very helpful,you can call him any time he is ready to listen and help
Olu A.
Good customer service indeed
I am really satisfied BizInsurance. I was having a hard time getting insurance for my business. And when I called them they was knowledgeable in what I needed for my business. Thank you now I can get started with my business. I’m excited.
Geneva B.
Google Rating
Based on 186 reviews