Glass installation contractor insurance should start with everything your business does to a glazing assembly. California’s C-17 scope includes selecting, cutting, assembling and installing glass, plus fabricating and glazing frames, panels, sashes and doors. Bring that full description to your broker, along with the possibility of damaged material, surrounding finishes
Pressure washing insurance should start with a clear description of your work: the surfaces you clean, chemicals you use, people you employ and equipment you transport. Ask a broker about damage to customer property, wet walkways, runoff, vehicles and your pump rig before choosing a policy. California requires workers compensation
Welding insurance starts with what you join, where you work and what remains in service after you leave. California’s C-60 classification defines welding through permanent attachment and heat. Those details make the finished work as important to discuss with a broker as the worksite itself. A California welding licensee with
Masonry insurance should reflect your brick, block, stone, refractory and veneer work, the people you employ, and the classifications you hold. In California, C-29 Masonry is absent from CSLB’s published workers compensation must-carry list. A C-29-only licensee with no employees and no Responsible Managing Employee may file an exemption. Holding
By Pascal Burke, Licensed Insurance Broker | Last updated September 23, 2026 | About 12 minutes TL;DR: Demolition insurance is individually underwritten because structural scope, adjacent property, equipment, pollution work, payroll, subcontracting, claims, limits, and endorsements can change the risk. A usable package starts with GL that keeps required XCU coverage
Excavation insurance starts with the work below ground and the paperwork completed before the bucket moves. California requires delineation before notification, followed by at least two working days’ notice, excluding the notification date. Texas uses the 48th hour before excavation, excluding Saturdays, Sundays and legal holidays, with a specific Saturday
TL;DR: California landscaping insurance should describe the work your crew actually does, including any tree work. A broad C-27 landscaping license does not establish that your insurance classification fits every job. CSLB records an industry concern that contractors have misclassified work to reduce workers compensation premiums, and it does not verify
TL;DR: Carpentry insurance should reflect whether you build framing, install finished woodwork, or do both. California separates C-5 Framing and Rough Carpentry from C-6 Cabinet, Millwork and Finish Carpentry. Cabinet installation brings expensive surfaces and materials into the insurance conversation, even when structural framing is outside your work. Neither C-5
TL;DR: Affordable contractors insurance starts with an accurate picture of your work and a quote that meets your needs. Compare the carrier, covered work, limits, deductible and contract requirements before comparing the price. Most of the price reflects the risk your business presents, so better paperwork and a careful renewal
Last verified: September 11, 2026. Reviewed by Pascal Burke, Licensed Insurance Broker, TX License #3305690. TL;DR A Texas TDLR Air Conditioning and Refrigeration contractor license depends on continuous commercial general liability coverage, with different Class A and Class B minimums. TDLR sets the required limits but does not set the
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