California Contractor Insurance & Bonds

Fast Online Contractor Insurance Quotes for General Liability, Workers’ Comp, Builders Risk & CSLB Contractor Bonds

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California Contractor Insurance Services

Explore insurance and bond solutions designed to protect California contractors, employees, projects and active contractor licenses.

We work with general contractors, subcontractors, remodelers, roofers, electricians, plumbers, HVAC companies, flooring installers, painters, concrete contractors and other construction businesses across California.

General Liability Insurance

Help protect your contracting business against third-party bodily injury claims, property damage and covered legal expenses arising from job-site operations.

Workers’ Compensation Insurance

Protect employees after work-related injuries or illnesses while helping your contracting business meet California workers’ compensation requirements.

California Contractor Bond

Get fast support for the contractor bond needed to maintain an active CSLB license and keep your California contracting business ready to operate.

Builders Risk Insurance

Protect buildings under construction, materials, supplies and covered property against qualifying losses during an active construction project.

Bid Bond

Bid on public and private construction projects with bond solutions designed to support contract requirements and demonstrate financial responsibility.

Auto Dealer Bond

Get assistance with California auto dealer bond requirements and keep your dealership prepared for licensing and renewal.

Pharmacy Bond

Surety bond solutions for pharmacies, wholesalers and businesses that must meet applicable state or licensing requirements.

Contractor Insurance by Trade

California Contractor Insurance – cslb

Every construction trade faces different risks, project requirements and insurance costs. Green State Insurance helps contractors find coverage based on their trade, payroll, annual revenue, employees, subcontractor costs and the type of work they perform.

Our insurance solutions are available for general contractors, roofers, electricians, HVAC contractors, flooring installers, plumbers, painters, remodeling companies, concrete contractors and other construction professionals throughout California.

Insurance Requirements

Insurance and bonding requirements for California contractors vary based on license classification, business structure, employees and project contracts. Some coverage is required by state or CSLB rules, while other policies may be requested by clients, property owners or general contractors.

Contractor Bond: Required to maintain an active CSLB contractor license.
Workers’ Compensation: Generally required when the business has employees.
General Liability: Often required by clients, contracts and job-site agreements.
Additional Coverage: Commercial auto, builders risk or umbrella insurance may be needed depending on the project and trade.

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.

What insurance do contractors need in California?

Coverage needs depend on the contractor’s trade, business structure, employees and project requirements. Many contractors carry general liability insurance, workers’ compensation, builders risk or commercial auto coverage. Contractors must also maintain applicable CSLB bond and insurance requirements for their license and business.

How much does contractor insurance cost in California?

The cost depends on factors like your trade, payroll, annual revenue, coverage limits, claim history, and number of employees. Higher-risk trades may require additional coverage.

Can I get insurance online?

Yes. Green State Insurance offers fast online insurance quotes and applications for California contractors, making the process simple and convenient.

Is workers’ compensation required for contractors in California?

California employers with one or more employees generally must maintain workers’ compensation insurance. Certain contractor license classifications may also have additional workers’ compensation requirements, even when they report having no employees.

What does general liability insurance cover?

General liability insurance helps protect contractors against third-party bodily injury claims, property damage, legal expenses, and other common job site risks.

What is a California contractor bond?

A California contractor bond is a surety bond associated with CSLB licensing requirements. It is not the same as liability insurance and does not directly protect the contractor from ordinary business losses or job-site claims.

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