What should a California contractor prepare for a business insurance review?

Prepare the business name, license or trade information, employee and payroll details, operations, vehicles or equipment when relevant, contracts, prior coverage, and claims history. A licensed team member can then review the request subject to carrier eligibility, policy terms, and underwriting.

How are business insurance limits or terms selected for a contractor?

Limits and terms are not universal. They can be influenced by the contractor's actual work, contracts, employee duties, vehicle use, project requirements, prior loss history, carrier guidelines, and applicable California requirements. The appropriate structure must be reviewed for the individual operation.

Can Asena provide an exact price or guarantee coverage for this page?

No. Any indication is preliminary until complete information is reviewed. Availability, pricing, limits, effective dates, certificates, and coverage are subject to carrier eligibility, policy terms, underwriting, and written confirmation.

Prevailing Wage Insurance Requirements California

Quick Answer

California prevailing wage projects (public works under California Labor Code §1720+) come with specific insurance demands: typically $2M/$4M GL minimum, waiver of subrogation on WC, certified payroll matching the WC declaration, primary and non-contributory language, and sometimes participation in an Owner-Controlled Insurance Program (OCIP). Call (858) 925-9555 before bidding any prevailing wage job.

What Triggers Prevailing Wage

California public works projects are subject to prevailing wage when funded with public money — state, county, city, school district, or special district. Threshold is often $1,000 for new construction or $15,000 for repair work depending on the funding source.

Common Insurance Demands

GL $2M/$4M minimum (sometimes $5M/$5M)
Waiver of subrogation on WC in favor of the public agency
Additional insured CG 20 10 + CG 20 37 for the public agency and its officers
Primary and non-contributory language
Bonds 100% performance + 100% payment
Certified payroll filings matching WC declaration

OCIP / CCIP Programs

Larger public works increasingly use Owner-Controlled (OCIP) or Contractor-Controlled (CCIP) Insurance Programs that provide GL, WC, and sometimes auto to all participating contractors. Your own policies cover off-site exposures and overhead operations.

Certified Payroll and WC

Public works require certified payroll filings (DAS 142, etc.) that match the payroll declaration on your WC policy. Mismatches trigger Labor Commissioner inquiries and can void your bid.

Bidding prevailing wage? Call (858) 925-9555 first — we structure the insurance package before bid day.

Call (858) 925-9555 — prevailing wage insurance done right.