Construction is one of the most hazardous industries in California, and the insurance requirements reflect that reality. From CSLB licensing requirements to OSHA compliance to complex multi-party liability, contractors need an insurance partner who understands the construction world.
California Contractor Insurance Requirements
The California Contractors State License Board (CSLB) requires minimum insurance levels to maintain your license. Beyond minimums, most general contractors require subcontractors to carry significantly higher limits. We ensure your coverage meets both regulatory requirements and the contractual demands of the projects you bid on.
Workers' Comp for High-Risk Trades
Construction workers' compensation rates in California are among the highest of any industry due to the frequency and severity of jobsite injuries. We work with specialized construction carriers who understand experience modification ratings and can help you build a safety program that reduces premiums over time.
Builder's Risk & Project-Specific Coverage
Every construction project creates a unique risk profile. Builder's risk insurance protects the structure under construction, while project-specific coverage can address unusual exposures like crane operations, demolition, or environmental remediation. We structure coverage project by project when needed.
Frequently Asked Questions
What insurance does a California contractor need?
At minimum: General Liability ($1M/$2M), Workers' Comp, Commercial Auto, and often Builder's Risk. GCs typically require subs to carry $1-2M in GL and name them as additional insureds.
How does my experience modification rate affect premiums?
Your EMR (experience modification rate) directly multiplies your workers' comp premium. An EMR above 1.0 means you're paying more than average; below 1.0, less. We help implement safety programs to improve your EMR over time.
Do I need a contractor bond?
California requires licensed contractors to maintain a $25,000 contractor bond. Some project owners require additional performance and payment bonds. We can secure both surety bonds and traditional insurance.