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Contractors Insurance
Being a contractor in California means dealing with unique risks that other professions don’t face. Whether you're on a construction site or handling repairs, your work is hands-on and exposed to potential dangers every day. From severe weather to theft or fire, even one incident can cause significant losses. Plus, your liability as a contractor is higher than most businesses.
Ensure your contracting business is fully protected with the right California contractors insurance coverage.
What is Contractors Insurance?
In California, Contractor insurance is a bundle of different coverages designed to protect your business wherever you operate. Instead of a single policy, it includes various types of insurance to address the unique risks contractors face.
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While the type of work you do may vary, most contractors require similar core coverages. Your insurance package should include the following:
Liability Insurance
As a service professional, both general and professional liability insurance are key to protecting you from claims of injury or
damages by clients, customers, or vendors.
Workers’ Compensation
If you have even one employee, full-time or part-time, you must have workers' compensation insurance. It protects your employees if they're injured and shields you from lawsuits.
Commercial Auto
Whether you're driving an old truck or using company vehicles, you need commercial auto insurance for work vehicles, as personal insurance won't cover business-related accidents.
Commercial Property
If you have a workshop or office, commercial property insurance protects you from fire, theft, and storms, helping you recover fast.
Business Interruption
If a covered event forces you to stop work, you lose income and can’t pay vendors, subcontractors, or employees. Business interruption insurance covers your income until you're back in business.
Tool and Equipment
Tools and Equipment Insurance protects you from loss due to theft, vandalism, or other covered events. It covers repair or replacement so you can get back to work quickly.
Inland Marine
Inland marine insurance covers property, like tools and equipment, that is moved between job sites. It protects against theft, damage, or loss while off your main property.
Builder’s Risk
Builder’s risk insurance protects your construction project from fires, theft, storms, and vandalism, covering you even if you need to rebuild.
Who should have Contractors Insurance?
Any contractor in California needs insurance to protect their business. Whether you're a general contractor or offer specialized services, having the right coverage is essential.
This includes:
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Carpenters
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Construction companies
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Electricians
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Flooring installers
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Handymen
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HVAC companies
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Landscapers
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Masons
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Painters
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Plumbers
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Pressure washers
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And more!
Each type of contractor requires policies tailored to their specific needs.
Whatever type of contracting business you run, make sure to protect yourself, your business, and your employees with top-quality insurance. Reach out to George Park Insurance today for a free quote on California contractors insurance!