General liability
Premises, operations, and completed operations, with the additional insured and primary wording your contracts demand.
Your policy has to satisfy the general contractor, the owner, the CSLB, and the lender. Most contractor policies satisfy the price shopper and nobody else.
The certificate is not the coverage
Anyone can issue a certificate showing what a contract requires. Whether the endorsement behind it actually exists is a different question, and it surfaces at claim time.
The program we build
The pieces, and what each one is actually for.
Line
Line
Workers' compensation
Correct construction class codes, dual wage classifications, and certificate compliance for every sub on your jobs.
Line
Commercial auto
Trucks, trailers, and employee vehicles, with the radius and use codes matched to how the crews actually operate.
Line
Tools and equipment
Inland marine for owned, rented, and borrowed equipment, plus property in transit and installation floater coverage.
Line
Builders risk
Course of construction coverage for the project itself, including soft costs and delay in completion where available.
Line
Bonds
License, bid, performance, and payment bonds coordinated with your insurance program and your financials.
Read this part
The endorsements your contracts require
Read your last three subcontract agreements. These clauses are in all of them, and they are all endorsements that have to be added deliberately.
- Additional insured for ongoing and completed operations, on CG 20 10 and CG 20 37 or better.
- Primary and non-contributory wording, without which your GC's carrier shares the loss with yours.
- Waiver of subrogation on general liability, auto, and workers' compensation.
- Thirty day notice of cancellation, which most carriers will only provide to the first named insured.
- Per project aggregate, so one bad job does not consume the limit protecting every other job you have open.
How we handle contractor accounts
Work the inputs before working the market.
Step 01
Review the contracts
We read the insurance exhibit before you sign it and tell you what it will cost to comply and what to negotiate out.
Step 02
Verify subcontractor compliance
Uninsured subs become your payroll at audit and your claim at trial. We build a tracking process so nothing gets onto a site without a valid certificate.
Step 03
Prepare for audit
Payroll records, sub certificates, and 1099 documentation organized before the auditor arrives, not after the bill shows up.
Step 04
Issue certificates same day
You should never lose a start date waiting on a certificate. Requests in before three get issued that afternoon.
Trades we place
General contractorsElectricalPlumbing and HVACRoofingConcrete and masonryFraming and carpentryGrading and excavationPaintingLandscapingSolarFire protectionSpecialty trades
Not on the list is not the same as not placeable. Ask.
Questions we get
Straight answers.
Why is residential construction harder to insure than commercial?
Construction defect litigation. California's ten year statute of repose and its habitability case law make residential work a long tail exposure, so many carriers exclude it or limit it by unit count and scope.
What happens if I hire an uninsured sub?
Three things. Their payroll gets added to your workers' compensation audit at your rate, your general liability may exclude the work under a subcontractor warranty, and you inherit their liability entirely if someone gets hurt.
Can I get coverage with a lapse in my policy history?
Yes, though continuous coverage matters more in construction than in most lines because of completed operations. We will document the lapse and its reason rather than letting an underwriter assume the worst.
Next step
Send us the submission
Loss runs, current declarations, and five minutes of context. You will hear back the same business day with what we can do and which markets we are approaching.