A San Diego contractor reviews general liability insurance cost, $1M/$2M COI requirements, and additional insured wording before starting a 2026 job. Updated: August 16, 2026 · Reviewed by Pascal Burke, Licensed Insurance Broker (CA #6015321, TX #3305690) Definition: General liability insurance for San Diego contractors is a commercial policy that
Written and reviewed by Pascal Burke, Licensed Insurance Broker. Pascal Burke is the founder of ContractorsInsured.net, a licensed insurance brokerage serving contractors in California and Texas. CA License #6015321. TX License #3305690. On this page Quick answer / TLDR What general liability insurance covers How much does GL cost in
In 2026, Austin contractors typically pay $40 to $150/month for low-risk small businesses and $150 to $400+/month for most trades. Roofers and other high-hazard contractors often pay $300 to $800+/month. This guide breaks down pricing by trade, coverage limit, and the seven factors carriers use to quote your premium. By
By Pascal Burke, Licensed Insurance Broker Founder, ContractorsInsured.net · CA License #6015321 · TX License #3305690 Published: May 17, 2026 · Last updated: August 9, 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
By Pascal Burke, Licensed Insurance Broker (CA License #6015321 / TX License #3305690), Founder of ContractorsInsured.net Last updated: [05/14/2026] 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
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
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
