Insurance Built for California Contractors. Zero Carrier Run-Around.

In California, sole proprietors without employees are generally not required to carry workers comp. However, many GCs and property owners require it before allowing you on a job site. If you use uninsured subcontractors, you may also be held liable for their injuries. We can help you evaluate your situation.

GL rates depend on your trade, annual revenue, payroll, number of employees, and claims history. A sole-prop painter or landscaper might pay $800–$1,500/year. A roofing or framing contractor could pay $3,000–$8,000+. We shop multiple carriers to find you the best rate. See our full cost guide for detailed pricing by trade.

Once your policy is bound, we issue COIs the same day — often within the hour. If you need to add a GC, property owner, or city as an additional insured, just let us know and we handle it. We understand contractor jobs move fast, and we move fast too.

A captive agent (like a State Farm or Allstate rep) can only sell one company’s products. An independent broker like us works with 30+ carriers and shops the entire market on your behalf. We’re not paid to push any particular carrier — we’re paid to find you the best fit.

Yes — this is one of the most common situations we handle. Contractors with prior claims, high-risk trades (roofing, demolition, excavation), or a coverage lapse often get declined by standard admitted carriers. We have access to specialty and surplus lines markets that write these risks. Give us a call and let’s talk.

Absolutely. Many of our clients are subs who need GL, WC, and commercial auto to satisfy their GC’s requirements. We’ll make sure your policy meets the contractual language in your sub agreements, including additional insured endorsements, waivers of subrogation, and primary/non-contributory language.

The California CSLB requires all licensed contractors to carry a $25,000 contractor license bond. This is a surety bond — not insurance — that protects consumers if you fail to complete a job or violate contractor laws. We issue these same-day at very low annual premiums (typically $100–$200/year). Read our full CSLB bond guide for details.

Generally, no. Personal auto policies typically exclude vehicles used primarily for business purposes. If you’re driving to job sites, hauling tools, or towing equipment, you likely need a commercial auto policy. We can write individual vehicles, fleets, or add a Hired & Non-Owned Auto endorsement to your GL policy for occasional business use.