Contractor Insurance
Built for California
Complete coverage packages for CSLB-licensed California contractors. General liability, workers' comp, commercial auto, and contractor's bond — all from one licensed broker who knows your trade.
The Complete Coverage Package for California Contractors
Contractor insurance is not a single policy — it is a package of coverages designed to protect your business, your employees, your equipment, and your CSLB license. California has some of the strictest contractor insurance requirements in the country, and the consequences of a lapse or gap in coverage can include license suspension, stop-work orders, and personal liability for claims that should have been covered.
At Asena Capital Insurance Services, we specialize exclusively in California contractor insurance. We understand the CSLB requirements for every license classification, the Workers' Comp class codes for every trade, and the endorsements that GCs require before they'll let you on a job site. We shop 100+ carriers to find the right combination of coverage and price for your specific trade, payroll, and revenue.
Whether you're a sole proprietor electrician looking for your first GL policy or a multi-crew roofing company needing a full package renewal, we handle it all — and we issue Certificates of Insurance the same day in most cases.
What Does Contractor Insurance Cover?
General Liability Insurance
CSLB RequiredCovers third-party bodily injury and property damage caused by your work. Required by CSLB for most license classifications. Standard limits: $1M per occurrence / $2M aggregate.
Workers' Compensation
State MandatedRequired by California law the moment you hire your first employee. Covers medical costs, lost wages, and disability for injured workers — and protects your CSLB license from suspension.
Commercial Auto Insurance
Personal auto policies exclude business use. If your work truck is in an accident on the way to a job site, your personal policy will deny the claim. Commercial auto closes this gap.
Contractor's License Bond
CSLB RequiredThe $25,000 CSLB surety bond is required for your contractor's license. We place bonds alongside your insurance so you have one broker for everything.
Tools & Equipment Insurance
Covers your tools, equipment, and machinery if stolen from a job site or vehicle, or damaged during work. Inland marine coverage fills the gap left by GL and commercial auto.
Builder's Risk Insurance
Covers structures under construction against fire, theft, vandalism, and weather damage. Required on most commercial projects and increasingly required on residential new construction.
Professional Liability (E&O)
Covers claims arising from errors in your work design or specifications — a gap that standard GL does not fill. Essential for design-build contractors and those providing specifications.
Umbrella / Excess Liability
Adds an extra layer of protection above your GL and auto limits. Required on most commercial projects over $1M in contract value. Typically adds $1M–$5M in additional coverage.
Specialized Coverage for Every California Trade
Every trade has different Workers' Comp class codes, different GL risk profiles, and different CSLB requirements. We build trade-specific packages — not generic policies.
How Much Does Contractor Insurance Cost in California?
Rates vary by trade, payroll, revenue, and claims history. The table below shows typical ranges for common contractor types. Your actual rate may be higher or lower depending on your X-Mod, years in business, and the carriers available for your trade.
| Contractor Type | General Liability | Workers' Comp | Commercial Auto |
|---|---|---|---|
| Sole Proprietor (no employees) | $600–$1,200/yr | Exempt | $1,200–$2,400/yr |
| Handyman / Artisan (1–3 employees) | $900–$2,000/yr | $2,000–$5,000/yr | $1,500–$3,000/yr |
| Electrical Contractor (C-10) | $1,500–$4,000/yr | $5–$10/per $100 payroll | $1,800–$3,500/yr |
| Plumbing Contractor (C-36) | $1,200–$3,500/yr | $4–$9/per $100 payroll | $1,500–$3,200/yr |
| Roofing Contractor (C-39) | $3,000–$8,000/yr | $15–$30/per $100 payroll | $2,000–$4,500/yr |
| General Contractor (B License) | $2,500–$7,000/yr | Varies by sub payroll | $2,000–$5,000/yr |
* Rates shown are illustrative ranges. Actual premiums depend on payroll, revenue, claims history, and carrier availability. Call (858) 925-9555 for an accurate quote.
Why California Contractors Choose Us
Trade-Specific Expertise
We know the WC class codes, CSLB requirements, and GL endorsements for every California contractor trade — not generic insurance advice.
Same-Day COI Issuance
Need a certificate of insurance today? Call us in the morning and we'll have it issued and emailed to you and your certificate holder the same day.
100+ Carriers Shopped
We access over 100 insurance carriers to find the most competitive rate for your specific trade, payroll, and claims history.
CSLB Compliance Guaranteed
We track your renewal dates and send proactive reminders 60 and 30 days before expiration — so your license never gets suspended for a lapse.
Frequently Asked Questions
More questions? See our complete contractor insurance FAQ or call us at (858) 925-9555.
What insurance do I need as a California contractor?
How much does contractor insurance cost in California?
Do I need insurance to get a California contractor's license?
Can I get a Certificate of Insurance the same day?
What is an Additional Insured endorsement and when do I need it?
What is a Waiver of Subrogation and why do GCs require it?
What's the difference between occurrence and claims-made GL policies?
Get a Free Quote
We'll call you within 10 minutes
Or call us directly:
(858) 925-9555CA License #6008596 · Serving all 58 California counties · Same-day COI available