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Blog · Contractor insurance

Contractor Insurance Blog

Cost guides, compliance how-tos, and bid-ready tips for California and Texas contractors. Written and reviewed by a licensed broker.

Featured · Blog

Your Carrier Just Non-Renewed Your Contractor Insurance: The 60-Day Rescue Playbook for California and Texas

Most contractor non-renewals come from claim activity, audit problems, high experience modification, class-code appetite changes, nonpayment, operational changes, or the carrier leaving a contractor segment.Non-renewal feels personal. Sometimes it is…

Reviewed by Pascal Burke · 17 min read

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Premium Audit Shock: Why Your Contractor Insurance Bill Jumped at Year-End (And How to Prep for the Audit)

Pascal Burke · 13 min

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Builder’s Risk vs General Liability: Which Policy Pays for What When a Job Goes Wrong

Pascal Burke · 15 min

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Same-Day Certificate of Insurance: How to Actually Get One Issued in Hours (And What to Send Your Broker)

Pascal Burke · 13 min

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1099 vs W-2 in California Construction: When Your “Subcontractor” Becomes Your Employee (AB 5, ABC Test, and the WC Misclassification Trap)

Pascal Burke · 20 min

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CSLB Workers’ Comp Requirements: Which California Trades Need WC With Zero Employees (SB 216 Today, All Trades by 2028)

Pascal Burke · 13 min

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Roofing Contractor Insurance California: Why C-39 Costs What It Does (And How to Lower It)

Pascal Burke · 15 min

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Additional Insured, Primary & Noncontributory, and Waiver of Subrogation: What Your GC Is Really Asking For

Pascal Burke · 20 min

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Ghost Policy Texas: When It Works, When It Burns You (And the One-Employee Trap)

Pascal Burke · 21 min

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SB 1455: California’s 2028 Workers’ Comp Mandate for All CSLB Contractors (What Every Licensed Contractor Needs to Know)

Pascal Burke · 19 min

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