California contractor insurance guidance
There is no single reliable price for California contractor general liability insurance. A broker review usually considers trade classification, annual receipts, payroll, subcontractor use, project type, limits, claims history, territory, and the markets available for the account.
Request a Coverage Review →Roofing, landscaping, electrical, plumbing, concrete, general building, and other trades can receive different underwriting treatment. Annual receipts, project size, completed-operations exposure, subcontractor controls, prior losses, and requested limits also affect eligibility and pricing.
Many contracts request limits such as $1 million per occurrence and $2 million aggregate, but the correct limits depend on the contract, project owner, public-agency requirements, and carrier terms. Review the insurance clause before requesting or binding coverage.
Online ranges can be misleading when they omit the trade, receipts, operations, claims, or contract requirements. Asena reviews those details against available markets; any indication is subject to complete information, eligibility, policy terms, and underwriting.
Some straightforward accounts may receive an indication quickly, while other trades and operations require underwriter review. The process depends on the account details and available markets.
The contract and project requirements control. $1 million per occurrence and $2 million aggregate are common requests, but some contracts require different limits or endorsements.
Prepare your trade classification, annual receipts, payroll, years in business, subcontractor use, project types, locations, loss history, and contract requirements.
