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Address:
25 Mauchly, Suite 309 Irvine Ca 92618
(949) 432-4805
25 Mauchly, Suite 309 Irvine Ca 92618
Contractor insurance in California can include general liability, workers’ compensation, builders risk and surety bonds depending on the contractor’s trade, employees, projects and contractual requirements. Green State Insurance helps California contractors evaluate these coverage needs and obtain insurance and bond solutions appropriate for their business and projects.
Coverage and bond requirements can vary by trade, employees, project type and contract requirements.
Explore insurance and bond solutions designed for California contractors, subcontractors and specialty trades.
Protect employees after work-related injuries or illnesses while helping your contracting business meet applicable California workers' compensation requirements. Coverage may be required based on employees, license classification and current CSLB rules.
Protect buildings under construction, building materials, supplies and other covered property against qualifying losses during an active construction project. Coverage can be structured around the project type, construction value, location and expected completion timeline.
Bid on eligible public and private construction projects with a bond designed to support contract requirements and demonstrate your ability to enter the contract if selected.
Get support securing the $25,000 contractor license bond required to maintain an active California contractor license. Green State Insurance can assist with new bonds, renewals and replacement bond applications.
Help protect your contracting business against covered third-party bodily injury claims, accidental property damage and legal expenses arising from job-site operations. Coverage limits and requirements
Get assistance with California auto dealer bond requirements and keep your dealership prepared for licensing, renewal and continued operation.
Access surety bond solutions for pharmacies, wholesalers and related businesses that must meet applicable state, federal or licensing requirements.
Green State Insurance provides contractor insurance and bond solutions for general contractors, subcontractors and specialty trades working across California.
Green State Insurance is a California-based insurance agency helping contractors, subcontractors and specialty trades find insurance and surety bond solutions for their business and project requirements.
Coverage requirements can depend on license classification, contracts and project requirements.
California licensed contractors are generally required to maintain a $25,000 contractor license bond.
California contractors with employees may be subject to workers’ compensation requirements.
Bid, performance or payment bonds may be required for certain public or private construction projects.
Get insured faster with our simple online process. At Green State Insurance, we make it easy for California contractors to request, customize, and receive their coverage entirely online—from risk assessment to policy issuance. Whether you need contractor insurance California or complete construction insurance California, our digital platform ensures you’re protected without delays.
Share your trade, payroll, project details and coverage requirements.
We help you compare insurance and bond options based on your business needs.
Select the coverage, limits and bond solutions that fit your requirements.
Get help with policy questions, documents, updates and coverage needs after issuance.
Answers to common questions about contractor insurance, workers’ compensation, license bonds and coverage requirements in California.
California contractors may need general liability insurance, workers’ compensation insurance, builders risk or other project-specific coverage depending on their trade, employees and contracts. Active licensed contractors must also maintain the applicable CSLB bond requirements, including the $25,000 contractor license bond.
Commercial general liability insurance is not a universal CSLB requirement for California contractors. However, clients, general contractors, landlords or project contracts may require it. California LLC contractor licenses have separate liability insurance requirements.
The cost varies based on your trade, payroll, number of employees, annual revenue, coverage limits, claims history and the type of work you perform. A contractor with a small low-risk operation can have very different premiums from a roofing, concrete or larger construction business.
Timing depends on the policy, carrier and whether coverage is already active. For an existing policy, certificates may often be issued quickly once the required certificate holder and project information are available. New coverage may require underwriting before a certificate can be issued.
Some contractors with no employees may file a workers’ compensation exemption with CSLB. However, active C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing and C-61/D-49 Tree Service contractors must carry workers’ compensation insurance or valid self-insurance even if they have no employees. Contractors qualified by an RME also cannot file the standard exemption.
California licensed contractors must maintain a $25,000 contractor license bond or an approved alternative on file with CSLB. The bond is intended to provide protection for consumers and certain employees when qualifying violations of contractor license law occur; it is not the same as liability insurance.
Contractor insurance generally protects the insured business against covered risks under the policy. A surety bond is a three-party arrangement involving the contractor, the surety company and the party protected by the bond. California’s contractor license bond helps protect eligible consumers and employees rather than functioning as insurance for the contractor.
California does not impose a universal CSLB general liability requirement on every contractor, but subcontractors are commonly required by general contractors or project agreements to carry general liability coverage and provide proof of insurance before beginning work.
Stay informed with our blog, offering insights into insurance regulations and guidance to help you navigate the complexities of contractor insurance in California.
