Independent broker · California & TexasCA #6015321 · TX #3305690 · (949) 522-3284

Contractor insurance policy · CA & TX

Contractor Insurance Policies in California & Texas

The coverages we place for contractors, how they fit together, and what you typically need by trade. One broker, multiple carriers, COIs and endorsements turned around fast.

9 coveragesMultiple carriersCOIs fast

In short

Most contractors build a core stack first, then add coverage based on vehicles, tools, project requirements, and contract language. We place general liability, workers' compensation, and commercial auto, plus contractor bonds, tools and equipment, umbrella and excess, builder's risk, professional liability (E&O), and ghost policies, all for California and Texas contractors. As ContractorsInsured.net (CA Lic #6015321 / TX Lic #3305690), we shop multiple carriers for California and Texas contractors, quote the same business day, and issue the COI right after binding.

Written and reviewed by Pascal Burke, Licensed Insurance Broker, founder of ContractorsInsured.net, a licensed brokerage serving contractors in California and Texas. CA License #6015321 · TX License #3305690. Licensing and disclosures.

No policy yet but a GC wants a COI? We quote general liability the same business day, bind, and issue the certificate right after. Already covered? Send the certificate holder details and endorsement wording and we match it.

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// 01 · Choose a policy

The policies we place for contractors

In brief: Start with the core stack most contractors need, then add coverage based on your contracts, vehicles, tools, and job types.

Core policies (most contractors start here)

General Liability the bid-packet baseline for third-party injury and property damage.
Workers' Compensation for employee injuries, required by most contracts when you have a crew.
Commercial Auto for owned, hired, and non-owned vehicles used for work.

Common add-ons (based on contracts, vehicles, tools, and job types)

Contractor Bonds bid, performance, and payment bonds.
Tools & Equipment inland marine for gear that moves between jobsites.
Umbrella & Excess higher limits above your GL and auto.
Builder's Risk course-of-construction coverage for work in progress.
Professional Liability (E&O) for design-build and consulting exposure.
Ghost Policy a workers' comp structure for certain owner-only situations.

// 02 · By trade

What contractors typically need by trade

In brief: Your trade shapes your stack. Here is where most contractors land.

Roofing contractors: GL, workers' comp, commercial auto, and often tools and equipment, given heights, crews, and gear on the move.
General contractors: GL, workers' comp, commercial auto, and frequently umbrella and builder's risk, plus bonds on public and larger jobs.
Plumbing contractors: GL, workers' comp, and commercial auto for service vans, with tools and equipment for diagnostic gear.

// 03 · Compliance

Compliance and certificates (COIs and endorsements)

In brief: Most policies are proven to a GC, owner, or portal through a certificate of insurance and the endorsements your contract requires.

A Certificate of Insurance proves your coverage and limits at a point in time, while endorsements like Additional Insured, Primary & Noncontributory, and Waiver of Subrogation actually modify the policy. We handle both so your bid packet is complete. Complete, accurate inputs reduce underwriting delays and COI revisions. See all compliance requirements.

// FAQ · Quick answers

FAQs about contractor insurance policies

Which policies do most contractors start with?

Many start with General Liability, Workers' Compensation, and Commercial Auto, then add tools and equipment, umbrella, bonds, or builder's risk based on their contracts and operations.

Is Workers' Comp required if I have no employees?

Requirements vary by contract, project, and carrier. Some GCs and owners require proof regardless, and some California trades like roofing require it even with no employees.

Is a COI the same as an endorsement?

No. A COI is proof of coverage at a point in time. Items like Additional Insured, Primary and Noncontributory, and Waiver of Subrogation are endorsements that modify the policy.

What affects pricing the most across policies?

Trade, job types, payroll, revenue, subcontractor use, claims history, vehicles, and contract-driven limits are common drivers.

What is an umbrella policy and when do contractors need it?

Umbrella or excess increases liability limits above your underlying policies, and contractors usually need it when a bid or contract requires more than their base limits.

Do you cover both California and Texas?

Yes. We are an independent brokerage focused on contractors in California and Texas, headquartered in Las Vegas.

Can I get multiple policies through you?

Yes. We can quote and place your full stack, from general liability and workers' comp to auto, bonds, tools, umbrella, builder's risk, and E&O, so your COIs line up with your contracts.

How fast can I get a COI?

Often the same business day once a policy is bound, provided the request details and any required wording are complete.

How fast can ContractorsInsured cover a California or Texas contractor?

We typically return two to three quote options within 24 to 72 hours once we have your trade, revenue, payroll, subcontractor use, and claims history, and we issue the COI immediately after binding.

This is general information, not legal advice. Coverage, eligibility, policy forms, endorsements, and pricing vary by carrier and underwriting approval. Specific contract language and bid packet requirements should be reviewed with your broker before binding.

Not sure which policy you need? Send a quick quote and we will map it out.

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