General Liability
Premises, operations, completed operations, additional insured, primary and noncontributory wording, and project owner certificate requirements.
California Contractor Insurance
Coverage that keeps projects, certificates, and cash flow moving.
Contractors need more than a cheap general liability policy. Bollinsure reviews the full program: workers' comp, commercial auto, tools and equipment, bonds, umbrella limits, and contract wording before certificate issues slow a job down.
Coverage stack
Contractor insurance lines that usually work together.
The right program depends on your trade, contracts, payroll, vehicles, equipment, subs, and claims history. These are the coverages we normally review first.
Workers' Compensation
Required for California employees. Class codes, owner exclusions, experience mods, payroll audits, and subcontractor certificates all matter.
Commercial Auto
Owned trucks, vans, trailers, employee drivers, hired vehicles, and non-owned auto exposure when personal vehicles are used for work.
Inland Marine
Tools, equipment, installation floater, rented equipment, and property that moves between shops, vehicles, and jobsites.
Bonds
License bonds, permit bonds, bid bonds, performance bonds, and payment bonds when a project or municipality requires surety support.
Commercial Umbrella
Excess limits above general liability, auto, and employer liability when larger contracts require higher protection.
Contract review
Many contractor insurance problems show up as certificate problems.
A policy can be active and still fail a certificate review. We look for missing endorsements before a project owner, GC, lender, or property manager rejects the certificate.
Send the insurance section. We review limits, wording, endorsements, and certificate instructions.
Compare against current policies. We identify gaps, unavailable wording, exclusions, or limits that need attention.
Shop only what needs fixing. If your current policy is strong, we keep it. If not, we compare available markets.
Trade classes
Built for California trades and construction businesses.
Bollinsure can help review coverage for general contractors, electricians, plumbers, HVAC contractors, landscapers, painters, flooring contractors, carpenters, janitorial contractors, and many other trades.
FAQ
California contractor insurance questions.
What insurance do California contractors usually need?
Many contractors review general liability, workers' comp, commercial auto, inland marine, bonds, and umbrella. Requirements depend on trade, license class, contracts, payroll, vehicles, and project owners.
Does general liability cover tools and equipment?
No, not in the usual sense. General liability protects against many third-party injury and property damage claims. Contractor tools and equipment usually need inland marine or equipment floater coverage.
Why do certificates get rejected?
Common reasons include missing additional insured wording, waiver of subrogation, primary and noncontributory wording, completed operations wording, or limits that do not match the contract.
Can Bollinsure help with subcontractor certificate requirements?
Yes. We can review requested coverage, explain what is normally insurable, and help you understand how subcontractor certificates affect your own exposure.
Have a contract or certificate request?
Send the insurance requirements and your current policy. We will show you what is covered, what is missing, and what needs to be shopped.