Contractor Insurance
in California
Protect your business, employees, active projects and contractor license with insurance and bond solutions designed for California construction professionals.
Get help with general liability insurance, workers’ compensation, builders risk, CSLB contractor bonds and bid bonds—all through one contractor-focused insurance agency.
California Contractor Insurance & Bond Solutions
Protect your contracting business, employees, active projects and contractor license with insurance and bond solutions built for California construction professionals. Explore general liability, workers’ compensation, builders risk, contractor license bonds and bid bonds based on your trade and project requirements.
Workers’ Compensation Insurance
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.
Builders Risk Insurance
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 Bond
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.
California Contractor Bond
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.
General Liability Insurance
Protect your contracting business from covered third-party injuries, accidental property damage, and legal costs arising from job-site operations, with coverage tailored to specific project requirements.
Additional California Surety Bond Services
Green State Insurance also provides specialized surety bond solutions for California auto dealers, pharmacies, wholesalers and other licensed businesses that need bonds for licensing, renewal and regulatory requirements.
Auto Dealer Bond
Get assistance with California auto dealer bond requirements and keep your dealership prepared for licensing, renewal and continued operation.
Pharmacy Bond
Access surety bond solutions for pharmacies, wholesalers and related businesses that must meet applicable state, federal or licensing requirements.
Looking for Contractor Insurance in California?
The coverage most construction businesses are searching for is commonly called contractor insurance. Green State Insurance helps California contractors compare insurance and bond options based on their trade, payroll, annual revenue, employees, subcontractor costs and project requirements.
Whether you are starting a new business, renewing coverage, bidding on a project or maintaining an active contractor license, our team can help you identify the appropriate next step.
- Starting a New Business
- Renewing Coverage
- Bidding on a Project
- Maintaining an Active License
California Contractor Insurance and Bond Services
Explore insurance and bond solutions designed to protect California contractors, employees, construction projects and active contractor licenses. Green State Insurance works with general contractors, subcontractors, remodelers, roofers, plumbers, electricians, HVAC companies, flooring installers, painters, concrete contractors and other construction businesses throughout California.
Additional California Surety Bond Services
Green State Insurance also provides specialized surety bond solutions for California auto dealers, pharmacies, wholesalers and other licensed businesses.
Irvine-Based Support
Serving contractors and licensed businesses throughout California.
Fast Certificate Assistance
Get help requesting certificates after eligible coverage is issued.
Online Applications
Start insurance and bond applications without visiting an office.
Speak With a Specialist
Call (949) 432-4805 Monday through Friday.
California Contractor Insurance Requirements in 2026
Insurance and bonding requirements depend on a contractor’s business structure, employees, CSLB classification and project contracts. The following summary explains several important requirements contractors should understand in 2026.
Disclaimer: This information is provided for general educational purposes and is not legal advice. Requirements may change. Contractors should verify current requirements with CSLB, the California Department of Industrial Relations and their insurance professional.
Workers’ Compensation Requirements
California employers, including construction businesses, generally must maintain workers’ compensation insurance when they have one or more employees. Active C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing and C-61/D-49 Tree Service licensees currently must maintain workers’ compensation coverage or valid self-insurance even when they report having no employees. The broader workers’ compensation requirement for all licensed contractors is currently scheduled for January 1, 2028.
General Liability Requirements
General liability insurance is not a universal CSLB requirement for every contractor business structure. However, clients, property owners, general contractors and project agreements may require proof of coverage. California contractor LLC licenses are subject to separate liability insurance requirements, beginning at a minimum cumulative limit of $1 million for five or fewer personnel of record.
California Contractor Bond Requirement
California contractor licensees must maintain a $25,000 contractor license bond. If a canceled bond is not reinstated or replaced within the applicable CSLB notice period, the contractor license may be suspended.
Frequently Asked Questions
Common Questions About Contractor Insurance in California
Find answers to common questions about CLSB, general liability coverage, workers’ compensation, contractor bonds, insurance costs and online quotes.
California Contractor Insurance Resources
Stay informed with practical guides, insurance updates, bonding requirements and contractor-specific insights for California construction businesses. Explore our latest articles to better understand coverage options, licensing requirements and risk protection for your business
