General Liability Insurance for contractors in Richmond
Covers injury to other people and damage to their property from your work, including claims after the job is finished (completed operations). Most GCs and project owners ask for $1 million per occurrence / $2 million aggregate and additional insured status.
Richmond contractors by the numbers
Richmond has 604 active CSLB contractor licenses (September 2026). 53% carry a workers' comp policy, 45% are on file as exempt, and 61 licenses were issued here in the last 12 months. The largest group is B (257 licenses).
About 42 Richmond licenses are held by LLCs, which must carry liability insurance of at least $1 million (up to $5 million depending on members) as a CSLB condition of the license.
Other Contra Costa County contractor markets
Concord (1,163 licenses), Antioch (594 licenses), Walnut Creek (554 licenses), Brentwood (494 licenses), Martinez (401 licenses).
Get a quote
Asena Capital Insurance Services compares multiple markets for Richmond contractors and requests additional insured endorsements for you when a contract calls for them. Call (858) 925-9555 or request a quote — only your name, phone and email are required. CA License #6008596.
Frequently asked questions
Do I need general liability to work in Richmond?
Covers injury to other people and damage to their property from your work, including claims after the job is finished (completed operations). Most GCs and project owners ask for $1 million per occurrence / $2 million aggregate and additional insured status.
What is the fastest way to get a certificate of insurance?
Once a policy is bound, a certificate of insurance can usually be issued quickly, including additional insured wording a GC asks for. Timing depends on the carrier and the endorsements requested.