Skip to content
CA LIC 6016951 · TX LIC 3452379 · INDEPENDENT AGENCYMON–FRI 8AM–6PM PT SAME-DAY CERTIFICATES AFTER BINDING
(916) 545-3202Get a quoteCall
COMMERCIAL INSURANCE · CALIFORNIA & TEXAS

Coverage that keeps the job moving.

General liability, builders risk, and wrap-ups for contractors and project owners.

Get a quote Talk to an agent →

Certificates are issued after a policy is bound. Already insured with Kavana? Call to request a certificate.

INDEPENDENT · MULTIPLE CARRIERS CA LIC 6016951 LICENSED IN TEXAS
SAMPLE CERTIFICATE REQUEST ISSUED SAME DAY
HOLDER REQUIRED BY CONTRACT
General contractor, 4-story mixed use
GL EACH OCC.$1M
AGGREGATE$2M
ADD'L INSUREDCG 20 10
Request received from the field11:04
Exhibit checked against bound policy11:26
Certificate issued to the holder14:12

ILLUSTRATIVE SAMPLE. LIMITS AND FORMS DEPEND ON THE POLICY BOUND. CERTIFICATES ARE ISSUED AFTER A POLICY IS BOUND.

01 / BUILT FOR THE JOBSITE

Built for the jobsite

Independent commercial coverage for contractors, project owners, and the businesses that keep California and Texas jobs running.

01

Contractors

General liability, workers’ compensation, commercial auto, and the certificates GCs actually ask for.

VIEW COVERAGE →
02

Builders Risk

Project property coverage for work in place, materials, and temporary structures while the job is underway.

VIEW COVERAGE →
03

Wrap-Ups / OCIP & CCIP

Owner- and contractor-controlled programs for eligible on-site participants — compared against the project, not a template.

VIEW COVERAGE →
02 / COMMERCIAL COVERAGE

Commercial coverage, by the work you do

Coverage for contractors—and the businesses beyond the jobsite.

01

Contractors

Trades, GCs, specialty
02

Restaurants

Cafes, QSR, limited liquor
03

Professional services

Offices, consultants, firms
04

Retail

Storefronts & inventory
05

Healthcare offices

Clinics & practices
06

Landscaping

Grounds & crews
07

BOP

GL + property package
08

General liability

Third-party claims
09

Workers' compensation

Employee injuries
10

Commercial auto

Work vehicles
11

Builders risk

Project property
12

Wrap-ups

OCIP & CCIP
03 / REQUEST A QUOTE

Let’s get your coverage moving

Share a few details. A licensed agent compares options from multiple carriers. Certificates are issued after a policy is bound.

01Tell us the jobOperations, payroll, vehicles, contracts, or project value — whatever applies.
02Review the structureLimits, deductibles, exclusions, and what sits outside the policy.
03Bind and issueChoose coverage. Get policy documents and COIs once the carrier binds.

Request a quote

Licensed in California (License 6016951) and Texas. Hours: Mon–Fri 8am–6pm PT.

    Request an Insurance Quote





    WRAPTRACK

    Administration for OCIP and CCIP programs

    WrapTrack is Kavana’s wrap-up administration platform for project owners, general contractors, and program sponsors. Spreadsheets and email break down once enrollment, certificates, and payroll reporting are in motion.

    ENROLLMENTSubcontractors enroll against the program structure you already use.
    COI COMPLIANCEMissing documents and expiring certificates sit in one dashboard.
    PAYROLLHours and premium calculations update as subcontractors submit payroll.
    CLAIMS FILESPolicy, enrollment, and project documents stay together when a claim comes in.
    OCIP OR CCIPSame workflow whether the owner or the GC sponsors the wrap.
    See WrapTrack →

    WRAPTRACK IS A SERVICE PLATFORM. IT IS NOT A POLICY.

    WRAPTRACK · PROGRAM VIEW UI CONCEPT · SAMPLE PROGRAM
    ENROLLED SUBS
    128
    COI COMPLIANT
    94%
    OPEN ITEMS
    7
    Compliant94%
    Pending5%
    Expired1%
    PAYROLL PERIOD →SAMPLE PROGRAM · NOT A REAL PROJECT
    KCRI KAVANA CONSTRUCTION RISK INSTITUTE

    Reference material for the people who manage construction risk.

    How OCIP and CCIP programs get decided, why certificate tracking breaks down, and the mistakes that create coverage gaps. Guides, case studies, research, and tools.

    01

    Guides

    OCIP, CCIP, Builders Risk, and construction insurance in California and Texas.
    02

    Case Studies

    Anonymized, real Kavana project examples — what we recommended, and why.
    03

    Research

    Market reports and benchmark data on construction insurance pricing and trends.
    04

    Tools

    Calculators for wrap-up feasibility, builders risk costs, and coverage requirements.
    Read KCRI Open the tools
    START HERE
    FLAGSHIP GUIDE
    The Ultimate Guide to Wrap-Up Insurance in California
     Why We Recommended an OCIP for a Mid-Sized California Condominium Project Five Mistakes Developers Make When Purchasing Builders Risk Insurance Why Certificate Tracking Fails on Large Construction Projects The Question Every Developer Should Ask Before Buying Insurance
    06 / INSIGHTS

    Insights

    Construction insurance, wrap-ups, and coverage decisions — from the Kavana blog and KCRI.

    BUSINESS INSURANCE

    A Cyber Coverage Form Was Attached. The Cyber Limit Was Still Unclear.

    A business asked whether media liability was the same as cyber liability. Reviewing the policy materials raised a more consequential question: was…
    KAVANA CONSTRUCTION RISK INSTITUTE

    “Water Damage” Did Not Settle the Earthquake Sprinkler Leakage Question

    A commercial lease permitted earthquake coverage to be excluded but required coverage for water damage caused by earthquake sprinkler leakage. The requirement…
    KAVANA CONSTRUCTION RISK INSTITUTE

    A New ADU on an Existing Slab: New Construction or Remodeling?

    An owner planned to demolish a detached garage and construct a new detached accessory dwelling unit on the existing slab. The primary…