Business Insurance

Insurance and bonds for California contractors

Contractors juggle insurance requirements from the CSLB, general contractors, property owners and lenders. We help trades from handymen to general contractors put a complete program together.

Get an Instant Business Quote Request a Custom Quote Call (530) 813-9150

Many small-business policies can be quoted online through NEXT Insurance. For larger, specialized or hard-to-place risks, send a request and we will shop it for you. Selecting "Get an Instant Business Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

We can quote general liability, workers' comp, commercial auto and tools coverage, and handle your contractor license bond through our bond platform.

What contractors insurance can cover

General liability

Including completed operations for work you have finished.

Workers' compensation

Required when you have employees; check current CSLB rules for your classification.

Tools & equipment (inland marine)

Covers tools and mobile equipment at job sites and in transit.

Contractor license bond

California requires a contractor license bond to obtain and keep a CSLB license.

Things to consider

General contractors often require additional insured status and waivers of subrogation.
LLC license holders have additional bond and liability insurance requirements set by the CSLB.
Keep certificates current. Many GCs will not pay until they have yours on file.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

How much is the California contractor license bond?

The CSLB contractor bond amount is $25,000. Your premium is a portion of that amount and depends on the surety's underwriting.

Can you add a GC as additional insured?

Yes. Send us the contract language or the GC's certificate requirements.

Request a custom business quote

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What does your business do?

How can we help?

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Submitting this form does not bind or change coverage. Coverage is not in force until confirmed in writing by our agency or the insurer.

Jake Livingood

Licensed Agent · CA License #4135028

Send the form and I'll personally follow up during business hours.

Call (530) 813-9150

Related coverage

General Liability

Business general liability insurance for Yuba-Sutter and Northern California small businesses. Get a quote online or talk to a licensed local agent.

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Workers' Compensation

California workers' comp insurance for employers in Yuba City, Marysville and Northern California. Required for businesses with employees.

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Professional Liability (E&O)

Errors and omissions (E&O) and professional liability insurance for consultants, real estate, accountants, IT and service professionals in Yuba City and beyond.

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