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Contractor insurance in California

Understanding California Contractors Insurance

General Contractor Insurance in California

If you own a construction company or are a small business contractor in California, you are at risk of liabilities and lawsuits unless you have proper coverage.

Without insurance, you can be on the hook for expenses and may expect to pay for medical bills and lost wages if an employee is injured or your work damages property during a project.

Who would be responsible if the expensive tools and equipment your business owns got stolen or damaged? 

The Allen Thomas Group demystifies complex terminology and tailors policies aligned with your contracting needs.  Your business in California may experience more benefits from being insured.

Meeting stringent legal mandates and avoiding painful non-compliance penalties is non-negotiable.

The Allen Thomas Group thoroughly vets policies to guarantee alignment with California statutes and licensing rules. 

Get a free insurance quote now!

Table of Contents

California Construction and Contracting Trades Our Insurance Agency Provides Insurance Coverage

Getting The Right Coverage

Understanding Contractor Insurance

Common types of contractor insurance needed by your business include general liability, professional liability insurance, tools and equipment insurance, commercial property insurance, commercial auto insurance, inland marine insurance, and builder’s risk insurance to address them.

General liability coverage is an insurance foundation for every California contractor, protecting against third party bodily injury, property damage, personal injury and advertising injury connected to your work and operations.

General liability insurance protects you against legal defense costs and settlements up to the policy limits if you are sued.

Experts typically recommend minimum limits of $1 million per occurrence and $2 million aggregate. Some of your clients may also need you to show proof of general liability insurance before doing business. 

Extra liability insurance provides an additional layer of protection for your assets and future earnings potential in the event of a particularly devastating claim or lawsuit.

Limits usually start around $1 million. Especially important for larger firms more than small businesses. 

This policy provides property coverage and protects structures under construction, either residential or commercial, for physical loss or damage from threats like storms, fires, vandalism, materials destruction, and more.

Particularly vital for general contractors overseeing full ground-up construction projects.

Suppose clients allege your professional services like architectural design work, engineering consultations, or permitting management contained errors, flawed advice, or negligence resulting in financial harm. In that case, this form of liability insurance for California contractors helps cover your business from potential payouts and legal bills.

Vehicles owned or leased by your business are at a risk of accidents on road.

Because work trucks, trailers, and fleet vehicles face more risks than personal cars, California contractors need commercial vehicle insurance policies that account for higher mileage, job site hazards, equipment hauling, employee drivers and non-owned coverage.

Your personal auto insurance typically covers personal vehicles unless you use them for business purpose.

This state-mandated insurance for general contractors provides financial help for employees injured on the job by covering medical treatment and partial wage replacement.

Fines for being uninsured can exceed $100k. It also provides employers protection from lawsuits.

Workers comp is a critical backstop for California contractors’ biggest asset – their workforce.

California contractor with his team of workers

Complying With California Insurance Requirements 

The Allen Thomas Group is the leading insurance company that walks clients through license, bond and insurance required by law in this high regulation state. We demystify complex statutes around workers compensation while ensuring your unique legal exposures get addressed within tailored policies. 

Why risk crippling fines and shutdowns? We guide you toward bulletproof California regulatory compliance.  

With specialty services like earthquake coverage and fire insurance for wildfire-prone zones, The Allen Thomas Group accounts for risks distinct to California. 

We also consult on emerging issues like pandemic protections and coverage for contractor cyber fraud events on this ever-changing risk landscape.

Count on us to monitor threats of liability claims and recommend adjustments keeping your business secure.  

Surety bonds guarantee reimbursement if a general or artisan contractor does not fulfill the contract terms.

Some types of bonds include bonds of qualifying individual, performance bonds, and payment bonds.

Stress-free Solutions

California contractors all smiles over the success of construction project

Secure Your California Contractor Empire With Essential Insurance Coverage

The Allen Thomas Group breaks down complex terminology and tailors policies aligned with your contracting needs.  

Understanding additional available coverages beyond legally mandated minimums is crucial for mitigating risks.  

California’s stringent regulatory landscape threatens even the savviest contractors’ livelihoods unless they are insured. Don’t let risks ruin your business, reputation, and peace of mind! 

For 20+ years, The Allen Thomas Group California Insurance Agents has helped builders across the state construct customized business insurance and risk management fortresses, shielding their assets from legal actions, job site mishaps, and natural disasters.

Let our contracting insurance specialists help protect your business so you can thrive in this high-stakes climate. 

General California contracting businesses may be required to pay extra for surety bonds and general liability insurance.

We fulfill your need for license bonds and insurance for California contractors.

Commercial Insurance Solutions Customized For California Contractors

Yes, Getting A Certificate Of Insurance Is Really That Easy

We know the process of finding the right insurance can be quite frustrating and overwhelming. Undoubtedly, it can affect your ability to take care of your customers, especially when you are waiting for bonds or a Certificate of Liability Insurance.

Let us help fix it for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Our happy customers

We’ve helped thousands of Construction Contractors Just Like You

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for your construction business

The Allen Thomas Group’s Proven Insurance for Contractor in California Construction Businesses

Don’t leave your contractor business vulnerable by going it alone. The Allen Thomas Group’s California construction landscape knowledge and carrier negotiating strength builds ironclad yet affordable contractor insurance solutions.

Get a free quote and claim our trove of educational contractor resources now!

Together, we will cement California contracting success for years to come with out exclusive coverage options designed to protect your business.

  • 20+ Years of Expertise: Helping contractors find the coverage for a long time
  • Customization: Personalized protection plans aligned to your state laws, budget, projects, and regional risks  
  • Advocacy: We negotiate optimal coverage and rates on your behalf
  • Free Risk Analysis – We thoroughly evaluate your present coverage and personalize improvement recommendations.
  • Quote Customization – We access special contractor rates through long-term carrier relationships.
  • Application Guidance – We alleviate frustrations by submitting error-free applications quickly.
  • Account Management – We handle certificates of insurance, licenses, and filings for you.
  • Ongoing Support – We act as trusted advisors for the long haul. 
  • Certificate of Insurance – We provide you one as a proof of insurance for business owner’s contracting services.

FAQs on insurance for California contractors

Get More Insights On Making The Right Insurance Decision For Your Company

General contracting businesses must carry occurrence-based general liability insurance with minimum limits of $1 million per incident and $2 million total for bodily injury and property damage. Property insurance can help your business safeguard its property. 

Don’t let securing adequate, affordable insurance undermine your California construction aspirations.

Our personalized guidance, insurer negotiating expertise, and unrivaled specialty trade experience, with an understanding of insurance requirements in California, empower your business to thrive, no matter the regulatory or risk challenges ahead. 

 
There are different factors to consider, including

Type of contractor: Different specialties have varying risk profiles and therefore different insurance costs. For example, roofers generally pay more than painters.

Size and complexity of projects: Larger projects typically require higher coverages, leading to increased premiums.

Payroll: The size of your team and their payroll influence the cost of general liability and workers’ compensation insurance.

Claims history: Having a clean claims history often translates to lower premiums. 

Chosen coverage and limits: The types of insurance you need and the coverage limits you choose directly impact the cost

While not compulsory, the Contractors State License Board urges all contractors to carry liability insurance. Choosing an uninsured contractor exposes your family and property to significant financial risk.

California requires at least $1 million per occurrence and $2 million aggregate for general liability. 

Based on analysis of insurance applications, the average annual cost for contractors falls within the range of $796 to $1,230. 

However, this can vary significantly depending on the factors mentioned above.

Yes, all licensed contractors in California are required to carry general liability insurance.

This requirement helps protect both the contractor and their clients from financial losses due to bodily injury or property damage occurring during construction projects.

Choosing an insurance provider and navigating application intricacies involves stress. The Allen Thomas Group maintains long-term partnerships only with highly rated national and regional carriers. We then guide you through submitting error-free applications, tracking COI compliance, verifying licenses and more. 

Finding affordable yet adequate insurance for niche specialties like electrical, plumbing, excavation, or roofing contracting seems impossible. The Allen Thomas Group brings specialized expertise serving these high-risk concentrations. We understand the distinct challenges facing tradespeople and customize solutions accordingly.

Connect with fellow specialty contractors and local insurance agencies and associations through our contractor resources list.

Balancing cost-effective coverage with sufficient protection involves tradeoffs. But going too lean leaves you underinsured and over-exposed.

The Allen Thomas Group’s free risk assessment zeroes in on vulnerabilities unique to your business, charting an optimal path between value and comprehensive protection.

  • Alabama
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Utah
  • Virginia

Absolutely! Here are some relevant links and information to help California contractors seeking insurance:

Official Resources:

Informative Websites:

  • The Allen Thomas Group (California-based independent insurance agency specializing in contractors): https://allenthomasgroup.com/california-insurance-agency/
    • Offer free quotes and consultations.
    • Provide blog articles and resources on various aspects of contractor insurance.
  • National Association of Home Builders (NAHB): https://www.nahb.org/
    • Offer resources and guidance on construction business best practices and risk management.
  • Construction Risk Industry News: https://www.constructionrisk.com/
    • Share industry news, updates, and insights relevant to construction businesses.

California Department of Insurance oversees insurance regulations and compliance requirements and educates consumers.

Areas We Serve In California

Alameda

Alhambra

Aliso Viejo

Anaheim

Antioch

Apple Valley

Arden-Arcade

Bakersfield

Baldwin Park

Beaumont

Berkeley

Brentwood

Buena Park

Burbank

Camarillo

Carlsbad

Carson

Castro Valley

Cathedral City

Chico

Chino

Chino Hills

Chula Vista

Citrus Heights

Clovis

Colton

Compton

Concord

Corona

Costa Mesa

Daly City

Davis

Delano

Diamond Bar

Downey

Dublin

Eastvale

El Cajon

El Monte

Elk Grove

Encinitas

Escondido

Fairfield

Fontana

Florence-Graham

Fontana

Fountain Valley

Fremont

Fresno

Fullerton

Garden Grove

Gilroy

Glendale

Glendora

Hanford

Hacienda Heights

Hawthorne

Hayward

Hemet

Highland

Huntington Beach

Huntington Park

Inglewood

Irvine

Jurupa Valley

La Habra

La Mesa

Laguna Niguel

Lake Elsinore

Lancaster

Lodi

Long Beach

Los Angeles

Madera

Manteca

Merced

Milpitas

Mission Viejo

Modesto

Moreno Valley

Murrieta

Napa

National City

Norwalk

Novato

Oakland

Oceanside

Ontario

Orange

Oxnard

Palo Alto

Paramount

Pasadena

Perris

Petaluma

Pico Rivera

Pittsburg

Placentia

Pleasanton

Pomona

Porterville

Redding

Redlands

Redondo Beach

Redwood City

Rialto

Richmond

Riverside

Rosemead

Roseville

Sacramento

Salinas

San Bernardino

San Buenaventura

San Clemente

San Diego

San Francisco

San Jose

San Leandro

San Marcos

San Mateo

San Rafael

San Ramon

Santa Ana

Santa Barbara

Santa Clara

Santa Clarita

Santa Cruz

Santa Maria

Santa Monica

Santa Rosa

Santee

Simi Valley

South Gate

Stockton

Sunnyvale

Temecula

Thousand Oaks

Torrance

Tracy

Tustin

Turlock

Union City

Upland

Vallejo

Victorville

Visalia

Vista

Walnut Creek

Watsonville

West Covina

Whittier

Woodland

Yorba Linda

Yucaipa

Yuba City