Workers comp vs general liability is the wrong way to frame it. Workers compensation responds when someone who counts as your employee is hurt doing your work. General liability responds when you are legally liable for injuring someone else or damaging their property. They are not competing products, and for most
Workers compensation is priced on your payroll, not your revenue. The bill is roughly your payroll divided by 100, multiplied by a rate set for each trade, multiplied by your claims history. That is why two contractors with identical revenue can pay very different premiums, and why your trade classification
TL;DR Texas has no statewide landscaping license, but TCEQ licensing applies to irrigation-system work and TDA licensing applies to pesticide or herbicide application for hire. Most crews start with general liability, then add inland marine for mobile equipment and commercial auto for trucks and trailers. Published general liability prices run
If you have even one employee in California, you must carry workers compensation, and five licensed contractor classifications must carry it even with no employees at all. Texas is the opposite: coverage is generally optional for private employers, right up until a public project or the contract in front of you
Last updated: August 5, 2026 TL;DR: Concrete contractors pay a median-based average of about $119 per month for general liability, or $1,423 per year, according to Insureon’s concrete contractor policy data. Price moves with structural versus flatwork operations, payroll, vehicles, equipment values, claims, limits, and contract requirements. A $1 million per occurrence and
Last updated: August 2026 TL;DR: Framing contractors buy general liability at carpentry class pricing on the marketplaces and at framing class pricing from specialty programs, and the gap is wide. Insureon publishes an average of $94 per month for carpenters, while Farmer Brown, which runs a framing program, prices framing at
TL;DR Typical cost: $37 to $78 per month for electrician general liability in national carrier data (NEXT), with a $61 monthly median through Insureon. Modeled Texas figures run higher: MoneyGeek puts Texas electrical contractor general liability at $386 per month for a business with one to four employees, because it
![electrician-insurance-california-cost-guide.webp]](https://contractorsinsured.net/wp-content/uploads/2026/08/electrician-insurance-california-cost-guide.webp-1170x620.webp)
Published August 17, 2026 · Last updated August 18, 2026 TL;DR A solo California electrician should plan on roughly $700 to $1,400 a year for general liability, and a small crew on $1,400 to $4,000. Scope, revenue, payroll, crew size, limits and claims history move that number in either direction.
Texas does not require most private employers to carry workers compensation insurance. Your general contractor very often will. That is the whole answer in one sentence, and it is why most Texas contractors end up carrying coverage anyway: the contract is the real mandate, not the statute. If you do opt
Published trade figures run from about $51 to $420 per month for a $1 million per occurrence and $2 million aggregate general liability policy, but that band hides an enormous spread. A solo handyman and a roofing crew are not the same risk, and the same crew does not price the
Commercial insurance broker licensed in 42 states, with a focus on contractors and small businesses in California, Texas, and nationwide.
(949) 522-3284
California License #6015321 • Texas License #3305690 •
Licensed in 42 states
COIs and Additional Insured endorsements issued same-day for active clients in California, Texas, and 42 other states.
Request COI
