Commercial insurance · California & Texas

Coverage that keeps the job moving.

Contractors GL, builders risk, and wrap-ups. Same-day certificates.

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Multi-story commercial building under construction at dusk

Built for the jobsite

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

Contractors

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

Builders Risk

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

Wrap / OCIP

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

Commercial coverage, by the work you do

Construction is the face of the agency. The rest of the book sits one click away — including lines we are adding now.

ContractorsTrades, GCs, specialty RestaurantsCafes, QSR, limited liquor Professional servicesOffices, consultants, firms RetailStorefronts & inventory Healthcare officesClinics & practices LandscapingGrounds & crews BOPGL + property package General liabilityThird-party claims Workers’ compensationEmployee injuries Commercial autoWork vehicles Builders riskProject property Wrap-upsOCIP & CCIP

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.

See WrapTrack

  • Enrollment. Subcontractors enroll against the program structure you already use.
  • COI compliance. Missing documents and expiring certificates sit in one dashboard.
  • Payroll reporting. Hours and premium calculations update as subcontractors submit payroll.
  • Claims files. Policy, enrollment, and project documents stay together when a claim comes in.
  • OCIP or CCIP. Same workflow whether the owner or the GC sponsors the wrap.

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 — not a brochure.

Read KCRI Open the tools

  • Wrap-Up Feasibility Calculator
  • OCIP vs. CCIP Comparison Tool
  • The Ultimate Guide to Wrap-Up Insurance in California
  • Certificate tracking research and field notes

Get a certificate moving

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

Tell us the job

Operations, payroll, vehicles, contracts, or project value — whatever applies.

Review the structure

Limits, deductibles, exclusions, and what sits outside the policy.

Bind and issue

Choose 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.

Insights

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

Insuring a Home Remodel and New ADU Without Leaving the Existing House Exposed

Renovating a home while building an ADU? Here's why the existing house doesn't disappear during construction — and how to insure both…

How Much Builders Risk Coverage Does a Major Remodel Actually Need?

A $700K remodel budget doesn't always mean $700K of exposure. Here's how to size builders risk coverage correctly for a major renovation.

Why You Can’t Just Lower the Existing Structure Value on a Builders Risk Policy

A $700K existing structure request to drop to $100K got declined mid-term. Here's why builders risk valuation isn't just a number you…