B General Building Contractor
Insurance California
California B General Building Contractors need GL, Workers\' Comp, Commercial Auto, and a $25,000 CSLB contractor bond. We shop multiple insurance markets to get you the coverage options based on your trade and payroll — with COI processing and bond issuance.
Typical work covered: residential and commercial construction, remodeling, new builds
Insurance Requirements for California B Contractors
CSLB requires a $25,000 contractor bond for all active licenses. Most project owners and GCs also require GL insurance. Workers\' comp is required for all employees and for all C-39 roofing contractors.
General Liability
$1M/$2M per occurrence. Required by most GCs and project owners. COI processing.
Workers' Compensation
Required for all employees. C-39 required regardless. SB 1455 Phase 2 by Jan 1, 2028.
Commercial Auto
Covers work trucks, vans, and equipment haulers used for your B business.
Contractor License Bond
$25,000 CSLB-required surety bond. Starting at Varies. timely issuance.
Tools & Equipment
Covers your tools, equipment, and materials on and off the job site.
Builder's Risk
Covers structures under construction. Required by most lenders and project owners.
Estimated Insurance Costs for B Contractors in California
Rates vary by revenue, employees, and claims history. These are typical ranges for California B General Building Contractors.
| Coverage | Minimum Required | Typical Limit | Est. Monthly Cost |
|---|---|---|---|
| General Liability | $1M/$2M (LLC) | $1M/$2M–$2M/$4M | $80–Varies |
| Workers' Comp | Required w/ employees | Statutory CA limits | $150–Varies |
| Commercial Auto | CA minimum | $1M CSL | $100–Varies |
| Contractor Bond | $25,000 (CSLB) | $25,000 | $8–Varies |
| Tools & Equipment | Not required | $10K–$100K | $30–Varies |
| Total Bundle | — | — | $500–Varies |
Frequently Asked Questions
Get B Contractor Insurance Today
CSLB compliant. COI processing and bond. multiple insurance markets.
General Liability → · Workers\' Comp · Contractor Bond