CONTRACTORS INSURANCE · CALIFORNIA
Coverage for the work you do, the tools you use, and the contracts you sign, plus certificates that go out right the first time.
English & Spanish
WHO IT'S FOR
Whether you're a sole proprietor or run several crews, we work with contractors across California, including:
Got a contract that asks for more than your current policy carries? Or a GC who needs a certificate tomorrow? That's exactly when to call us.
COVERAGE FOR CONTRACTORS
Most contractors need several policies working together. We help you figure out which ones fit your work and your contracts.
Coverage for third-party bodily injury and property damage that comes out of your operations, plus personal and advertising injury. This is the policy most GCs, property owners, and cities ask to see first. Start a general liability quote.
What if a claim shows up months after you finish a job? Completed operations coverage is for injury or damage that comes from work you already finished. Many contracts require it, sometimes for years after the project is done.
The contract says $5,000,000. Your policy says $1,000,000. Excess and umbrella coverage can add limits above your general liability and employer's liability so you can meet higher contract requirements. Limits up to $10M may be available, subject to underwriting. Learn about commercial excess insurance.
Coverage for owned, leased, and rented machinery and tools, from hand tools to skid steers and mini excavators. Covered perils depend on the policy form. If you rent equipment, the rental company may hold you responsible for damage, and sometimes for the days the machine can't be rented.
Coverage for property on the move or temporarily off-site, such as materials in transit, materials waiting to be installed, and property you're installing for a customer.
Coverage for a structure while it's under construction or renovation, including materials on site. Some policies can include soft costs, such as extra interest or permit fees after a covered loss.
In California, employers generally need workers' comp for their employees. Many GCs also want a waiver of subrogation on your WC policy. Start a workers' compensation quote.
Your trucks, vans, and trailers need commercial coverage, and contracts often list auto requirements too. Learn about commercial auto insurance.
If your trade, your loss history, or the limits you need have made coverage hard to find, we now have access to specialty and surplus lines markets for hard-to-place contractors.
CERTIFICATES OF INSURANCE
On a jobsite, a missing or wrong certificate can keep you from starting work. Our dedicated compliance department handles certificate requests so COIs go out fast and accurate.
HOW IT WORKS
Forward the contract, the insurance exhibit, or the sample certificate.
We compare the requirements against your coverage, limits, and endorsements.
If something is missing, we tell you what it is and what your options are.
We prepare the certificate and supporting endorsements that match your approved coverage.
We can send them straight to the GC, owner, or project manager.
WHY STREET SMART
FAQ
Usually not. Most contractors combine general liability, workers' comp, commercial auto, and coverage for tools and equipment. Some also need excess or umbrella coverage, builders risk, or inland marine. It depends on your trade and your contracts.
Often, yes. An excess or umbrella policy can add limits above your general liability and employer's liability. Limits up to $10M may be available, subject to underwriting. Send us the contract so we can see exactly what it requires.
Additional insured status extends some of your policy's protection to another party, such as the GC or property owner, for claims that come out of your work. Many contracts require it for both ongoing and completed operations. It's added by endorsement, so it has to be set up on the policy, not just typed onto the certificate.
It's an agreement that your insurance company won't try to recover what it paid on a claim from the other party, such as the GC. Contracts often require one on GL, auto, and workers' comp. It's usually added by endorsement, and some policies charge for it.
Generally, no. General liability is for injury or damage to other people's property. Your own tools and equipment usually need contractors equipment or inland marine coverage.
It can. Some contracts and project owners require a carrier rated A- or better. We check your contract's requirements before we bind so your certificate is accepted.
Our compliance department works to get certificates out fast once we have the requirements and the coverage is in place. If your policy needs a new endorsement first, we'll tell you what's needed and how long it may take.
Send us your contract or the GC's insurance requirements and we'll tell you honestly what it takes to meet them.