General liability
Helps address covered claims alleging injury to others or damage to their property arising from your business.
Explore General Liability
Capital Providers Insurance Services
Contractor Insurance
Contractor Insurance
for California Businesses.
Your trade, crew, vehicles, and projects shape your insurance needs. Talk with CPIS about coverage for the work you do and the requirements you need to meet.
Coverage built around the work
A contractor’s risks do not fit into one policy.
Contractor insurance describes a combination of coverages for a contracting business. General liability, workers’ compensation, and commercial auto address different exposures; one does not replace the others.
Review requirements before work begins.
Send the insurance specifications from your client or general contractor. A requested certificate, limit, or endorsement should be checked against the actual policy.
Work in progress.
What could happen to someone else’s property—or to a person—while your crew is on-site?
Work that is completed.
Could an injury or property damage claim arise after a project is finished?
Work that is changing.
Are you adding employees, taking larger projects, or expanding into a different trade?
Policies to discuss
Review the main parts of your protection.
The right combination depends on your operations, contracts, and insurer underwriting. Coverage is subject to each policy’s terms and exclusions.
Workers’ compensation
Provides benefits for covered work-related employee injuries or illnesses. Review applicable California and CSLB requirements.
Explore Workers’ Compensation →Commercial auto
Discuss your work trucks, vans, drivers, and business vehicle use, including any hired or non-owned auto needs.
Explore Commercial Auto →Commercial umbrella
Can add limits above eligible underlying liability policies when a covered claim exceeds those limits.
Explore Commercial Umbrella →Commercial property
Discuss your premises, contents, and stored materials. Review mobile tools and equipment separately.
Cyber insurance
Consider your use of customer records, business email, digital plans, and payment systems.
Explore Cyber Insurance → Details that matter
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Make the coverage discussion specific to your projects.
Share more than a job title. These details help identify questions to resolve before selecting coverage.
Your scope of work
Describe residential or commercial jobs, new construction or remodeling, and any work at height, excavation, or design responsibilities.
Employees & subcontractors
Have payroll estimates, subcontracted work details, and subcontractor insurance documentation available.
Tools, equipment & materials
Explain what you own, rent, or borrow and where it is stored or used. Ask about coverage away from your premises.
Project insurance specifications
Share additional insured, waiver of subrogation, completed operations, and limit requirements for review.
Special exposures—such as design services, pollution, or property under construction—may require different or additional coverage. Ask about the options and eligibility for your work; do not assume a standard liability policy includes them.
Your next steps
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Start Your Quote Request →
Start with your business. Review the details.
Tell us what you do.
Select Other / Not sure on our quote form. Describe your contracting business and the policies or project requirements you need to discuss.
Prepare your documents.
Have your current policies, license classification, estimated payroll and sales, vehicle details, and insurance specifications ready.
Review before arranging coverage.
Discuss available terms, exclusions, endorsements, limits, and proposed effective dates before making a decision.
Questions contractors ask
Contractor insurance FAQs.
Do I need workers’ compensation if I have no employees?
Do not assume an exemption applies. California employers generally must carry workers’ compensation even with one employee, and certain CSLB license classifications require coverage without employees. Check current CSLB requirements for your classification and business circumstances.
Is a contractor license bond the same as insurance?
No. A license bond serves a different purpose from liability or workers’ compensation insurance and does not replace those policies. Review bond requirements directly with CSLB alongside your separate insurance obligations.
Does a certificate of insurance satisfy every client requirement?
No. A certificate summarizes insurance information; it does not amend the policy or grant coverage. Additional insured status and other requested protections depend on applicable policy wording and endorsements. Send the actual insurance specifications for review.
Are stolen tools or equipment covered by general liability?
General liability is not designed to cover theft of your own tools or equipment. Discuss separate property or contractors’ equipment coverage and whether it applies in transit, at job sites, or to rented and borrowed items.
What affects the cost of contractor insurance?
Your trade, work performed, business size, payroll, subcontractor use, claims history, vehicles, and requested coverages can affect pricing. Provide accurate details so the inquiry reflects the work your business actually performs.
Does submitting the form activate coverage or issue a certificate?
No. The form starts an inquiry. Coverage must be arranged and confirmed under the policy terms before it takes effect. Include your project deadline, but do not assume coverage or a certificate has been issued after submitting.
Let’s talk about your business
Bring your next project into the conversation.
Tell Capital Providers Insurance Services about your trade, your crew, and what you need to review. Start online or call our team directly.
This page provides general information. Coverage, limits, exclusions, availability, and eligibility depend on the insurer and policy. A quote request does not bind or activate insurance.