Quick Answer
California general contractors (Class A license) need workers' comp, general liability, commercial auto, $25,000 contractor bond, and often umbrella coverage. Total annual cost: pricing varies by classification, payroll, operations, claims history, limits, and underwriting+ depending on payroll, vehicles, and claims history. Call (858) 925-9555 for a complete quote.
General Contractor Insurance Requirements
1. Workers' Compensation Insurance
Required if you have employees. SB 216 requires even sole proprietors to carry coverage.
2. General Liability Insurance
Covers third-party injuries and property damage. Most project owners and GCs require $1M/$2M minimum.
3. Commercial Auto Insurance
Covers work vehicles, tools in transit, and employee drivers.
4. Contractor License Bond ($25,000)
Required by CSLB. Protects consumers from contractor fraud.
5. Umbrella Insurance (Optional but Recommended)
Extra layer of liability protection above your GL. Costs pricing varies by classification, payroll, operations, claims history, limits, and underwriting/year.
General Contractor Insurance Costs
| Policy | Annual Cost | Notes |
|---|---|---|
| Workers' Comp | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | Depends on payroll and claims |
| General Liability | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M/$2M standard |
| Commercial Auto | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | Multiple vehicles common |
| Contractor Bond | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $25,000 CSLB bond |
| Umbrella (optional) | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M–$5M extra coverage |
| Total | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | Bundle saves 15–20% |
Coverage Limits for GCs
GL Limits: $1M per occurrence / $2M aggregate (standard for most GCs)
WC Coverage: Rated on actual payroll
Commercial Auto: $100K/$300K liability minimum
Umbrella: $1M–$5M additional coverage
General contractor insurance quote? Call (858) 925-9555 for a complete package.
Related: Workers' Compensation · General Liability · Commercial Auto
Call (858) 925-9555 — GC insurance, timely binding.