Contractor Insurance Blog
Expert guides, compliance tips, and insurance strategies for California contractors
SB 216 Workers Comp Ghost Policy: What Every California Contractor Needs in 2026
SB 216 ended California's workers' comp exemption for most CSLB contractors on Jan 1, 2026. Ghost policies cost $800–$1,500/year. Call (858) 925-9555.
CSLB Insurance Requirements for California Contractors (2026)
Every California contractor's CSLB insurance requirements for 2026: workers' comp, GL, $25K bond, LLC bond, SB 216. Same-day COI. Call (858) 925-9555.
How Much Does Workers Comp Cost for California Contractors in 2026?
What California contractors actually pay for workers' comp in 2026: real rates by class code (5551, 5183, 5190, 5190…). Call (858) 925-9555.
General Liability vs Workers Compensation: A California Contractors Plain-English Guide
Two different policies. Two different risks. California contractor's complete guide to GL vs workers' comp — what each covers, who needs both. Call (858) 925-9555.
Same-Day Certificate of Insurance for California Contractors
How to get a same-day Certificate of Insurance in California — what a COI is, what GCs check for, and how Asena issues one before end of business. Call (858) 925-9555.
Contractor License Bond California - Complete Guide
California's $25,000 CSLB contractor license bond — what it is, what it costs, how to file. (858) 925-9555.
LLC Bond California - $100K Employee/Worker Bond Explained
If you hold your CSLB license as an LLC, California requires a $100,000 LLC employee/worker bond on top of the standard $25K bond. (858) 925-9555.
Commercial Auto Insurance for California Contractors
California contractors need commercial auto — personal auto won't cover work trucks. Limits, costs, hired/non-owned auto. (858) 925-9555.
Tools and Equipment Insurance for California Contractors
Inland marine / tools & equipment insurance for California contractors — theft, transit, job-site damage. Typical cost $500–$1,500/yr. (858) 925-9555.
Builders Risk Insurance California - When You Need It
Builder's risk insurance covers your construction project from fire, theft, weather, vandalism. Who needs it, what it costs, exclusions. (858) 925-9555.
Professional Liability (E&O) for California Contractors
Professional liability / E&O insurance for California contractors doing design-build, consulting, or specifications. (858) 925-9555.
Business Owners Policy (BOP) for California Contractors
A BOP bundles GL with Commercial Property — covers tools, office, signage, and lost income. Cost $800–$2,500/yr. (858) 925-9555.
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