Your trade, subcontractors and contracts shape the insurance you need. Start with the work you do, and we will help you compare coverage for the job.
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
Contractors and builders
Construction businesses
Specialty construction
Construction casualty
Small contractors
Construction workers compensation
Construction programs
Hard to place contractors
A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
A subcontractor, a passerby, or a client's finished floor gets hurt or damaged on your jobsite.
Owners and GCs demand you carry limits and name them as additional insured. Miss the endorsement and you lose the job.
Gear walks off the site, or materials are damaged before they are installed.
The trades are physical work, and a crew member goes down.
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
Third party claims are the base exposure on every jobsite. General liability responds when a passerby is injured, when a client's finished floor is damaged by your crew, or when completed work is blamed for a loss months after you left. It is also the policy owners and general contractors are named onto, so the endorsement you carry decides whether you clear the contract review.
Workers' compensation provides benefits for work-related employee injuries. California contractors with employees must carry it; certain license classifications also require it without employees. Check your CSLB classification and exemption eligibility, then review payroll, subcontractor insurance and the work your crew performs before choosing coverage.
Trucks, trailers, and the crew cab hauling tools between sites sit outside a personal auto policy the moment the use is commercial. Commercial auto answers liability for an at fault accident and pays physical damage on the units themselves. Hired and non owned coverage picks up the rented lift truck and the employee who runs to the supply house in their own car.
An umbrella sits above general liability and commercial auto and starts paying once the limit underneath is exhausted. Construction contracts routinely name a total limit rather than a primary one, so the umbrella is often the line item that makes a bid compliant. The schedule of underlying insurance is what decides which policies it actually sits over.
Roofing, demolition, excavation, and anything involving height or heat get declined by standard carriers on class alone. Surplus lines carriers write those risks, price each file individually, and are not bound to filed rates or filed forms. We take the submission to those markets when the admitted market says no, and we walk you through what the surplus form does differently before you bind.
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Read guideThe right program depends on the operation, but the lines we most often evaluate are General Liability, Workers' Compensation, Commercial Auto, Commercial Umbrella, and Excess and Surplus Lines. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
Have your trades, annual receipts, payroll by class, subcontractor costs, project types, largest job, requested limits, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Start your application online, or speak with a licensed broker about your work, property and contracts.
