Construction insurance, wrap-ups, and coverage decisions
From the Kavana blog and KCRI. Filter by what you are actually deciding.
Jul 26, 2026
The Contractor Insurance Checklist
A companion to the California Contractor Insurance Handbook — this is the working version. Use it at each stage of a project rather than reading it once and…
Jul 26, 2026
The California Contractor Insurance Handbook
Every licensed California contractor needs a baseline set of coverage to legally operate and to qualify for most general contractor and owner insurance requirements. What that baseline should…
Jul 26, 2026
The California Builders Risk Handbook
Builders risk insurance is the policy that protects the physical structure while it’s being built — and it’s also one of the most commonly misunderstood coverages on a…
Jul 25, 2026
The Question Every Developer Should Ask Before Buying Insurance
Before asking how much insurance costs, developers should ask what their project's biggest financial risks actually are. A better planning framework from KCRI.
Jul 25, 2026
Why Certificate Tracking Fails on Large Construction Projects
A certificate of insurance only proves coverage existed the day it was issued. Here is what owners should actually be checking to avoid claims disputes later.
Jul 25, 2026
Five Mistakes Developers Make When Purchasing Builders Risk Insurance
The most common, and costly, mistakes developers make when purchasing Builders Risk insurance - from underinsuring replacement cost to buying on price alone.
Jul 25, 2026
Why We Recommended an OCIP for a Mid-Sized California Condominium Project
A Kavana Construction Risk Institute case study: how we evaluated an Owner Controlled Insurance Program for a $7M California condominium development, and the questions that shaped the decision.
Jul 20, 2026
How much does home insurance cost in California in 2026?
If you’re shopping for or renewing home insurance in California this year, you’ve probably noticed the ground shifting under you. This article gives you the real 2026 price…
Jun 16, 2026
Ghost kitchens & food trucks: are they covered under standard restaurant insurance?
If you run a ghost kitchen or a food truck in California, you’ve probably wondered whether the restaurant insurance you already know covers your operation. The short answer…
Jun 15, 2026
What is an additional insured – and why does it matter for your business contract?
If you run a business in California, whether you’re a contractor, a tenant leasing commercial space, a vendor, or the company hiring them, you’ve almost certainly run into…
May 28, 2026
What insurance does a restaurant in California actually need?
Key takeaways Why restaurant insurance is different Running a restaurant in California means juggling open flames, sharp knives, slippery floors, hungry customers, and a staff that moves fast…
Apr 28, 2026
Steps to take after an accident before filing an insurance claim
An accident happens in seconds. What you do in the minutes and hours that follow, however, can affect your claim for months. Many California drivers and small business…