Contractor Insurance Needs Calculator

Calculator

How to use it

Answer the questions and you'll get a checklist of the coverage and bonds that typically apply to your business. It does not show prices — those depend on underwriting — but it tells you exactly what to ask for.

What the checklist is based on

The checklist uses CSLB requirements (the $25,000 bond, workers' comp rules by classification, and LLC insurance rules) plus the coverage most GC and owner contracts require. It is a starting point — your contracts, vehicles and operations decide the final program.

Coverage most contractors end up with

• $25,000 contractor license bond
• General liability, often $1M/$2M with completed operations
• Workers' comp (required now for some classes; for all active licenses from January 1, 2028)
• Commercial auto for business-titled vehicles
• Tools and equipment coverage
• Umbrella when contracts require higher limits

Get quotes for your checklist

Asena Capital Insurance Services compares multiple markets for California 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

Does this calculator give me a price?

No. It builds your coverage checklist; request a quote for pricing.

Is general liability required by CSLB?

Not for most licenses — but LLCs must carry liability insurance, and nearly every GC or owner contract requires it.