🏗️ General Contractors Insurance

Coverage built for
general
contractors.

From groundbreaking to final inspection — protect your crew, your tools, and your reputation with contractor-specific insurance that keeps your license intact.

✓ General Liability✓ Workers Comp✓ Contractor License Bond✓ Commercial Auto
Carriers We Work With
HartfordTravelersCNAICW GroupEmployers+ 15 more
✦ Free & No Obligation

Get Your General Contractors Quote

Fast quotes · Licensed agents · Real savings

What coverage are you looking for?
Tell us about your business
Where should we send your quotes?
🔒Your info is secure & never sold. A licensed agent will contact you within 1 business hour.
✅

You're all set, there!

A licensed CoverGuard agent will reach out within 1 business hour with your general contractors insurance quotes.

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Why CoverGuard
Why contractors trust CoverGuard
We specialize in contractor coverage — not one-size-fits-all business policies.
🏗️

License-required coverage. Certificate-ready in 48 hours.

Most jobs require proof of insurance before you set foot on site. We issue certificates fast and make sure you stay compliant with California contractor licensing board requirements.

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$2M
Typical GL coverage limit for contractors
⚡

Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

48hr
Certificate of insurance turnaround
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for general contractors — not a generic business policy that misses your exposures.
🦺
General Liability
Covers bodily injury and property damage claims arising from your work.
  • Third-party bodily injury
  • Property damage claims
  • Completed operations
  • Personal & advertising injury
Core
👷
Workers Compensation
Required by CA law for any employee. Covers medical and lost wages.
  • Medical bills for injured workers
  • Lost wage replacement
  • Employer's liability
  • CA state compliance
Required
🚛
Commercial Auto
Covers your work trucks, vans, and equipment in transit.
  • Work vehicles & fleet
  • Tools in transit
  • Hired & non-owned auto
  • Cargo coverage
Recommended
🔧
Inland Marine / Tools
Covers your tools and equipment on-site and in transit.
  • Hand & power tools
  • Heavy equipment
  • Rented equipment
  • Job-site theft
Recommended
📋
Contractor License Bond
Required by CSLB for California contractor license.
  • CSLB license requirement
  • Client protection bond
  • Fast issuance
  • $15,000 minimum
Required by CSLB
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Builder's Risk
Covers structures under construction from fire, theft, and weather.
  • Structures under construction
  • Materials on-site
  • Temporary structures
  • Per-project basis
Project-based
Common Questions
Everything you need
to know.
Do I need insurance to get a CSLB license?+
Yes. California requires a $15,000 contractor license bond from the CSLB. You'll also typically need General Liability and Workers Comp before any GC will hire you as a sub.
How much does general contractor insurance cost?+
Most small GC operations in California pay $1,500–$5,000/year for GL, depending on revenue and trade type. Roofing and structural work costs more than finish work.
Can I add subcontractors to my policy?+
You can require subs to carry their own coverage and name you as additional insured. We'll help you set up certificates and vendor requirements.
How fast can I get a certificate of insurance?+
Usually same-day or within 48 hours. We can rush certificates for job requirements.

Get your contractor coverage in place today.

Most contractors are underinsured. Let us close the gaps.

Get a Free Quote → 📞 (562) 758-1200
🏗️ Get My General Contractors Quote