Contractors Insurance — Bid‑Ready Coverage & Fast Certificates
We help GCs and trades get the right mix of GL/BOP, Workers’ Comp, Commercial Auto & HNOA, Tools & Equipment, Pollution, Professional, Umbrella, and Surety Bonds. Same‑day COIs with Additional Insured, Primary & Non‑Contributory, and Waiver wording as required.
General Liability / BOP
Premises & operations, products/completed ops; add property & business income via BOP where available.
Workers’ Compensation
Keep crews protected and compliant; EMR support and audit help.
Commercial Auto & HNOA
Owned vehicles + employee/rented autos. Filings & fast COIs for primes and municipalities.
Tools & Equipment
Inland Marine for tools, scheduled equipment, and rented/leased gear.
Contractor Pollution
Jobsite pollution incidents, including third‑party cleanup where eligible.
Professional Liability
For design‑build/consulting exposures; consider CPPI or E&O.
Umbrella / Excess
Meet higher limits required by primes, landlords, and public entities.
Surety Bonds
License & permit, bid/performance/payment, court & specialty.
Who We Insure
- General Contractors (residential/light commercial)
- Electrical, Plumbing, HVAC
- Painting, Drywall, Flooring, Tile
- Roofing, Concrete, Masonry
- Landscaping & Tree Service
- Remodelers & Handyman
Serving Lathrop & Nearby Cities
We insure contractors across California: San Joaquin County (Lathrop, Tracy, Stockton, Manteca, Ripon, Mountain House), Modesto, San Jose, Fremont, Santa Clara County, Sacramento, Fresno, Los Angeles, San Diego and more.
Bring your contract language—we’ll match AI/Primary/Waiver wording on COIs.
Contract‑Ready Certificates
- Additional Insured (ongoing & completed ops)
- Primary & Non‑Contributory
- Waiver of Subrogation
- Per‑project aggregate (where available)
- 30‑day notice of cancellation (where available)
We issue same‑day COIs for standard requests. Complex wording may require carrier approval.
Ways to Save
- Bundle BOP/GL + Auto + Workers’ Comp + Umbrella
- Subcontractor risk transfer & certificates
- Driver screening and fleet safety program
- Choose deductibles you can comfortably carry
What We Need to Quote
- Trade/scope, payroll, gross receipts, and sub costs
- Current/past policies & limits (if any)
- Loss runs (3–5 years) and EMR (if applicable)
- Contracts with insurance requirements (if available)
Contractors Insurance — FAQs
Do I need a BOP or just General Liability?
If you have tools, office contents, or rented space, a BOP can bundle property & business income with GL. We’ll compare both options.
What limits do GCs usually require?
Commonly $1M/$2M GL with AI/Primary/Waiver and per‑project aggregate; Auto at $1M CSL; Workers’ Comp statutory with Waiver. We’ll match your contracts.
Can you help with wrap projects?
Yes—see our Wrap Contractor Insurance page. We assist with enrollment, bid credits, payroll reporting, and outside‑the‑wrap coverage.
Disclaimer: This page provides general information and isn’t a guarantee of coverage. Policy terms and eligibility vary by carrier and state.
Ready for a Fast, Competitive Quote?
Send your contract requirements or renewal info—we’ll shop multiple carriers and issue COIs fast.
Call (209) 701‑6900
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