In 2026, Austin contractors typically pay $40–$150/month for low-risk small businesses and $150–$400+/month for most trades. Roofers and other high-hazard contractors often pay $300–$800+/month. This guide breaks down pricing by trade, coverage limit, and the seven factors carriers use to quote your premium. By Pascal Burke, Licensed Insurance Broker (CA
By Pascal Burke, Licensed Insurance Broker Founder, ContractorsInsured.net · CA License #6015321 · TX License #3305690 Published: May 17, 2026 · Last updated: May 17, 2026 · 8 min read Editorial note: This article is educational and intended for contractors and the professionals who advise them. ContractorsInsured.net is a licensed
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: [05/14/2026] Editorial note: This article is educational and intended for contractors and the professionals who advise them. ContractorsInsured.net is a licensed insurance brokerage (CA License #6015321; TX License #3305690), not a law
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: [05/13/2026] Editorial note: This article is educational and intended for contractors and the professionals who advise them. ContractorsInsured.net is a licensed insurance brokerage (CA License #6015321; TX License #3305690), not a law
General Liability pays when your construction work causes injury or property damage to a third party. Builder’s Risk pays when the project itself is physically damaged during construction — fire, wind, theft, or vandalism. Most jobsite insurance disputes come from assuming one policy covers both. It does not. The bottom
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: May 11, 2026 Editorial note: This article is educational and intended for contractors who need a Certificate of Insurance for an active or upcoming bid. ContractorsInsured.net is a licensed insurance brokerage (CA
California CSLB workers’ compensation requirements provide the baseline context for 1099 vs W-2 classification decisions in the construction industry. Published: May 8, 2026 · Last updated: May 25, 2026 · Reading time: ~14 min · Author: Pascal Burke, Licensed CA Insurance Broker (CA #6015321) By Pascal Burke, Licensed Insurance Broker
Quick answer: If you hold C-39 Roofing, C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, or D-49 Tree Service, California requires workers’ compensation today even with zero employees under SB 216. All other CSLB classifications must comply by January 1, 2028 under SB 1455. Reviewed by Pascal Burke, Licensed CA Insurance
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: [05/06/2026] Editorial note: This article is educational and intended for California roofing contractors and the professionals who advise them. ContractorsInsured.net is a licensed California insurance brokerage (CA License #6015321), not a law
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: [05/05/2026] Editorial note: This article is educational and intended for contractors and the professionals who advise them. ContractorsInsured.net is a licensed insurance brokerage (CA License #6015321; TX License #3305690), not a law
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