Contractors’ insurance
General liability, workers’ compensation, commercial auto, and the certificates GCs actually ask for. Trades, GCs, and specialty contractors in California and Texas.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
The four lines that clear a jobsite
Most contractor accounts are a package, not a policy. Which pieces you need depends on payroll, vehicles, and what your contracts require.
General liability
Third-party claims on the site. Not your own injuries, and not the cost to redo faulty work.
Workers’ compensation
Employee injuries, rated on payroll and class code. Required in California with narrow exceptions.
Commercial auto
Trucks and vans, plus hired and non-owned exposure for employee vehicles used on the job.
Additional insured status
The endorsement your GC’s contract actually names — checked against the contract, not a template.
Carry it in your own name
Small construction firms should carry contractors insurance in their own name rather than relying on a GC’s or client’s policy. A wrap or an OCIP may cover the site; it does not cover your business off the site, your vehicles, or your tools.
Read the insurance exhibit before you sign it. Limits, additional insured wording, waiver of subrogation, and primary-and-non-contributory language decide whether your certificate gets accepted.
Same-day certificates after a policy is bound. Not before — no agency can issue a certificate for coverage that does not exist yet.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
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.