Contractor Insurance Bundle
Workers' Comp + General Liability + Commercial Auto
Save 15-20% by bundling all three coverages
Get a Free Bundle Quote — (858) 925-9555Bundle Savings Example
| Coverage Type | Individual Cost | Bundle Discount | Bundle Price |
|---|---|---|---|
| Workers' Compensation | $3,000/year | -15% | $2,550/year |
| General Liability | $800/year | -20% | $640/year |
| Commercial Auto | $1,500/year | -15% | $1,275/year |
| TOTAL | $5,300/year | -16% avg | $4,465/year |
You Save: $835/year by bundling instead of buying individually
Bundle Costs by Trade
| Trade | Workers' Comp | General Liability | Commercial Auto | Bundle Total |
|---|---|---|---|---|
| Electricians | $2,500–$4,500 | $600–$1,200 | $1,200–$2,500 | $3,100–$5,700 |
| Plumbers | $2,200–$4,000 | $550–$1,100 | $1,100–$2,300 | $2,750–$5,100 |
| Roofers | $4,000–$7,000 | $800–$1,500 | $1,500–$3,000 | $4,800–$8,500 |
| HVAC Contractors | $2,500–$4,500 | $600–$1,200 | $1,200–$2,500 | $3,100–$5,700 |
| General Contractors | $3,500–$6,000 | $700–$1,400 | $1,500–$3,000 | $4,200–$7,400 |
What's Included in Your Bundle
Workers' Compensation
- Medical treatment for employee injuries
- Lost wage benefits (66% of average weekly wage)
- Permanent disability benefits
- Death benefits for employee families
- Vocational rehabilitation
General Liability
- Customer/visitor injuries on your job site
- Property damage (damage to customer's property)
- Legal defense costs
- Medical payments (up to policy limit)
- Advertising injury claims
Commercial Auto
- Liability (damage to others from your vehicle)
- Collision (damage to your vehicle in an accident)
- Comprehensive (theft, weather, vandalism)
- Medical payments (injuries in your vehicle)
- Uninsured motorist coverage
Contractor Coverage Checklist
Do I have 1+ employees? → Need Workers' Comp (California required)
Do I work on job sites? → Need General Liability (required by most jobs)
Do I use work vehicles? → Need Commercial Auto (required for business use)
Do I need CSLB license? → Need Workers' Comp (CSLB requirement)
Do customers require insurance? → Need GL + WC (standard requirement)
Do I have expensive tools? → Consider Tools & Equipment coverage
Do I want extra protection? → Consider Umbrella Liability ($1M+)
Frequently Asked Questions
Can I customize my bundle?
Yes. Most brokers allow you to customize bundles. You can add tools & equipment coverage, umbrella liability, or professional liability depending on your needs.
What if my business grows?
Tell your broker. Your insurance needs may change as you hire more employees, add vehicles, or expand operations. We can adjust your bundle anytime.
Can I add umbrella coverage to my bundle?
Yes. Umbrella liability provides additional coverage (typically $1M–$5M) above your base policies. It's affordable and provides extra protection.
How do I get a bundle quote?
Contact Asena Insurance for a free quote. We shop 100+ carriers to find you the best rate on your complete contractor insurance bundle.
Are bundle policies CSLB-compliant?
Yes. All our bundles meet California CSLB requirements for workers' compensation and general liability.
Get Individual Coverage or Bundle
Bundle & Save 15-20%
Get all three coverages together and save on your annual premiums. CSLB-compliant and same-day quotes available.
Call Now — (858) 925-9555