General Liability Insurance for contractors in San Francisco
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.
San Francisco contractors by the numbers
San Francisco has 3,741 active CSLB contractor licenses (September 2026), #5 among California cities. 48% carry a workers' comp policy, 50% are on file as exempt, and 224 licenses were issued here in the last 12 months. The largest group is B (2,259 licenses).
About 224 San Francisco 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 San Francisco County contractor markets
Sunset (1 licenses).
Get a quote
Asena Capital Insurance Services compares multiple markets for San Francisco 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 San Francisco?
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.