Best CA Contractors Insurance

Basic Types of CA Contractors Insurance

What constitutes the best CA contractors’ insurance for one business is not likely to make as ideal a fit when applied to another. Every business is unique, especially in the construction industry where contractors have their own specializations. Still, there are basic kinds of insurance that all businesses must have – the most important among these being General Liability Insurance and Worker’s Compensation Insurance.

Some kind of basic general liability insurance is the cornerstone of the best CA contractors’ insurance package. General liability insurance provides coverage for property damage, personal and bodily injury, and advertising injury. Your insurance provider is obligated to pay for the legal representation you will need in a lawsuit or liability claim as long as it’s covered. Compensatory and general damages will also be taken care of, though the amount, of course, will vary according to what is stated on your policy.

Workers’ compensation insurance is a requirement in California even if you only have one employee. The only exemption, according to the Contractors State License Board, is if you do not employ “anyone in a manner that is subject to the workers' compensation laws of California.” Even if you’re a roofing contractor (C39 Roofing classification) with no employees, the law still requires you to carry workers’ compensation insurance.

These two kinds of insurance are necessary features of the best CA contractors’ insurance packages. Find the best CA contractors’ insurance with the advice and guidance of our CA contractors’ insurance specialists. Let their expertise help you make the best California contractors’ insurance choices for you and your business.