Construction/Contractor Insurance
Protect your small business with commercial insurance.
Why Insurance Matters for Construction Businesses?
The construction industry carries some of the highest risk exposure of any business sector. Whether a project involves building, remodeling, grading, electrical work, plumbing, roofing, or any specialized trade, contractors work in environments where accidents, property damage, equipment losses, and job site injuries are more common and far more expensive than in most industries. Even experienced contractors understand that construction projects involve many variables: subcontractors, changing conditions, heavy equipment, high-value materials, and strict timelines. One unexpected event can put an entire project or business at financial risk.
Key Reasons Insurance Is Essential:
Job sites are unpredictable.
Falls, tool mishaps, material failures, and equipment malfunction can lead to major injuries or damage. Insurance helps protect your business from claims you can’t control.
You work with high-value materials and equipment.
Theft of tools, copper, lumber, generators, or machinery is common in California. Replacing these items out of pocket can halt a job.
Contractors face significant liability exposure.
Construction defects, water intrusion, electrical issues, structural problems, or property damage can result in lawsuits long after a project is completed.
Clients and general contractors require proof of insurance.
Most construction work, especially commercial and larger residential projects require:
Certificates of insurance
Proof of general liability
Workers’ compensation compliance
Bonding
Regulatory and licensing requirements.
California requires certain coverages depending on license type and whether you employ workers.