Quick Answer
Bundling workers' comp, general liability, and commercial auto insurance saves California contractors 15–20% compared to buying policies separately. A typical bundle costs pricing varies by classification, payroll, operations, claims history, limits, and underwriting/year depending on trade, payroll, and vehicles. Call (858) 925-9555 for a bundle quote.
What's Included in a Contractor Bundle
Workers' Compensation: Covers employee injuries and medical costs.
General Liability: Covers third-party injuries and property damage.
Commercial Auto: Covers work vehicles, tools in transit, and employee drivers.
Bundle Savings Example
| Policy | Separate | Bundled | Savings |
|---|---|---|---|
| Workers' Comp | $2,000 | $1,700 | $300 |
| General Liability | $1,000 | $850 | $150 |
| Commercial Auto | $2,500 | $2,125 | $375 |
| Total | $5,500 | $4,675 | $825 (15%) |
Why Bundling Saves Money
1. Multi-policy discount: Carriers reward bundling with 10–20% discount.
2. Simplified underwriting: One application, one underwriter, faster approval.
3. Easier renewal: One renewal date, one broker contact, less admin.
4. Better rates: Bundled customers get preferred pricing.
Ready to bundle and save? Call (858) 925-9555 for an coverage review.
Related: Workers' Compensation · General Liability · Commercial Auto
Call (858) 925-9555 — contractor insurance bundle, timely binding.