Workers' comp rules
Unlicensed handymen working under the minor-work exemption cannot employ anyone on those jobs. Licensed contractors with employees must carry workers' comp; from January 1, 2028 (SB 1455), CSLB will require it for all active licenses except joint ventures.
License bond and LLC rules
Every active California contractor license needs a $25,000 contractor license bond on file with CSLB (raised from $15,000 on January 1, 2023). For owners with good credit, the bond commonly costs about $140–$250 a year; price depends mainly on credit.
LLC licenses also need a $100,000 employee/worker bond and liability insurance of at least $1 million (plus $100,000 per member over five, up to $5 million).