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Contractor reviewing general liability insurance and COI requirements for a Modesto job site.

General Liability Insurance Cost Modesto CA: 2026 Guide

Last updated: August 2026 Most Modesto general contractors typically pay $175 to $425 per month ($2,100 to $5,100 per year) for a standard $1M per occurrence / $2M aggregate general liability policy, with roofers, structural trades, food-processing and dairy-facility contractors, and contractors on cold-storage or ag-handling projects often paying more.

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