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 line:
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: June 18, 2026 Quick Answer. A same-day Certificate of Insurance is realistic when three things are already true: your policy is active, the required endorsements (Additional Insured, Primary & Noncontributory, Waiver of
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: June 18, 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: May 5, 2026 Short answer: When a general contractor asks for AI, PNC, and WOS, they are asking you to add three specific endorsements to your General Liability policy: Additional Insured (typically
Editorial disclosure: This article is educational and intended for Texas contractors and the professionals who advise them. ContractorsInsured.net is a licensed Texas insurance brokerage (TX License # 3305690), not a law firm, the Texas Department of Insurance (TDI), the Texas Department of Licensing and Regulation (TDLR), or a tax advisor.
Quick answer: SB 1455 is a California law requiring every CSLB-licensed contractor to carry workers’ compensation insurance by January 1, 2028. It extends SB 216’s mandate beyond five high-hazard trades to all CSLB classifications. Sole proprietors without employees may qualify for a verified exemption through a CSLB process launching January
By Pascal Burke, Licensed California Insurance Broker (CA License # 6015321), Founder of ContractorsInsured.net Last updated: June 19, 2026 Editorial disclosure: This article is educational and intended for California contractors and the professionals who advise them. ContractorsInsured.net is a licensed California insurance brokerage (CA License # 6015321), not a law
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