General Contractor Insurance in San Diego County
General Contractors in California carry GL, WC, and (if licensed under CSLB) a $25K license bond. TWT bundles them in one quote with same-day COIs.
Key Takeaways for General Contractors
- CSLB Requirements: Class B General Building Contractors must carry a $25,000 bond. General Liability is required for LLCs ($1M minimum) and highly recommended for sole props. Workers' Comp is required immediately if you have employees, and by Jan 1, 2028, regardless.
- Cost Expectations: A solo General Contractor with no employees might pay $1,500 - $3,000 annually for a bundled GL and Bond package. With payroll, costs increase based on class codes.
- Same-Day COIs: We issue Certificates of Insurance (COIs) with Additional Insured endorsements the same day.
Coverages Every General Contractor Needs
General Liability
$1M/$2M limits to protect against third-party bodily injury and property damage. Essential for signing contracts and pulling permits.
Learn More arrow_forwardWorkers' Compensation
Class code 5606 (Executive Supervisors) or typical construction codes if you self-perform. Required by SB 216.
Learn More arrow_forwardBuilders Risk
Per-project coverage for the structure and materials during the course of construction.
Learn More arrow_forwardLicense Bond
$25,000 CSLB bond required to maintain an active 'B' General Building Contractor license.
Learn More arrow_forwardWhat's Covered vs. Excluded
Typically Covered | Common Exclusions |
|---|---|
| Third-party bodily injury (e.g., client trips over tools) | Employee injuries (Requires Workers' Compensation) |
| Property damage caused by your work to other property | Damage to your own tools/equipment (Requires Inland Marine / Tools) |
| Completed operations (post-construction claims) | Accidents in company vehicles (Requires Commercial Auto) |
| Damage to the structure under construction (if you hold Builders Risk) | Damage to the specific part of property you are working on (Faulty Workmanship) |
Get Your General Contractor Quote
Stop waiting days for a quote. Fill out the form below, and our team will get back to you with a competitive insurance quote tailored to General Contractors.
Fast Turnaround
Quotes typically provided within 24 hours.
Same-Day COIs
Once bound, we issue certificates immediately.