California
contractor
insurance
Commercial insurance for contracting businesses with employees, subcontractors, vehicles, and equipment. Compare coverage for your operations and the contracts you take on.
How the quote process works
Business details
We gather your operations, payroll, revenue, subcontracting, and current coverage information.
Insurance requirements
We check your job types and contract requirements against proposed coverage, exclusions, and endorsements.
Quotes and placement
We explain available terms, total quoted costs, and binding requirements. You choose the coverage you want to proceed with.
Contractor insurance coverage
General liability
General liability helps protect your business when someone claims your work injured them or damaged their property. Here is how it works on a job, what its limits mean and why a customer may ask for more than a certificate.
Workers’ compensation
Workers’ compensation helps pay medical care and other required benefits when an employee is injured or becomes ill because of work. Your crew’s duties, payroll and claims history help determine its cost.
Commercial auto
Commercial auto insurance addresses accidents involving vehicles used by your business. Liability protects against covered claims from others, while optional physical damage coverage protects the vehicles themselves.
Tools & equipment
Tools and equipment insurance can help replace covered property that is stolen or damaged at a job, in transit or in storage. It is often called inland marine, even though your work has nothing to do with water.
Surety bonds
A surety bond is a promise backing a specified obligation, such as following contractor licensing rules or finishing a contract. The bond amount is not the price you pay, and a bond serves a different purpose from liability insurance.
Builders risk
Builders risk is property insurance for a building or project while it is being built or renovated. It can address covered damage to the project itself, while general liability addresses covered claims for harm to others.
Umbrella & excess
Umbrella and excess liability can add another layer of money for covered liability claims after specified primary limits are used. The policies underneath and the higher layer need to work together.
Professional liability
Professional liability addresses claims that an error in your design, advice or other covered professional service caused a loss. It is also called errors and omissions insurance, often shortened to E&O.
Insurance by trade
Coverage questions and underwriting requirements for your trade.
California regions
Contractor insurance throughout California.
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Contractor insurance resources
Hiring employees, managing subcontractors, preparing for audits, and comparing renewal terms.
All guides & resourcesWhat insurance do you need when you hire subcontractors?
Hiring another business to do part of a job can still affect your insurance. Learn which documents to collect and how subcontracted work affects claims and audits.
How a workers’ compensation audit works
Your policy starts with estimated payroll. An audit checks what actually happened and uses those records to calculate the final premium.
How to prepare for your contractor insurance renewal
Renewal is your chance to update the coverage for the business you run today. Follow the review from last year’s policy through the new effective date.
Insurance before your first hire or a larger crew
Adding an employee changes more than payroll. Learn what to arrange before work starts and what to update when people drive, use equipment or take on new duties.
California Contractor Insurance Guide
Understand general liability, workers’ compensation, business vehicles, equipment, and contract endorsements.
Download the guideInsurance questions
More answersStart with what could happen in your business. General liability addresses covered injury or property damage claims from customers and others. Workers’ compensation addresses employee work injuries. Commercial auto covers business vehicle risks, while tools coverage protects specified equipment. A license bond meets a separate licensing obligation. Your work, employees and contracts determine which policies and limits you need. We can help you connect each requirement to the risk it addresses.
Yes. Additional insured status gives a customer specified protection under your policy for claims connected to your work. They may want that protection while the job is underway and after it is finished. Send the insurance section of the contract so we can check the endorsements, meaning documents that change your policy, before preparing the certificate that summarizes the coverage.
The cost of correcting your own defective work is generally excluded, while resulting damage to other property can be covered. For example, replacing a faulty plumbing connection and repairing the customer’s water-damaged floor are different costs. We can explain how your policy treats each and how completed operations coverage applies to losses involving finished work.
Your insurance still needs to describe that arrangement. A customer can bring a claim against you over work performed by a subcontractor. Some policies require you to use written agreements and obtain particular insurance documents from those businesses. Tell us which trades you subcontract and what your own employees do, so we can explain the requirements that apply before the job starts.
Yes. Start with the renewal proposal and estimated payroll for each type of work. Loss runs are reports from previous insurers showing claims and payments; we can explain how to request them. If your business has an experience modification, it is a rating factor based on loss experience. Using the same duties, payroll and owner coverage for each quote makes differences in cost easier to understand.
Yes. Quick Biz Quote Insurance Services reviews coverage for California contractors statewide. Tell us where your employees work, where vehicles are parked overnight and whether you take jobs outside California. That information helps us check the territory and state requirements of the policies being considered.
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