Contractor Insurance in San Diego, CA
Workers' comp, general liability, commercial auto, and contractor bonds for San Diego contractors. coverage options based on your trade and operations • COI processing • CSLB-compliant.
Coverage for San Diego Contractors
All coverage types available for San Diego County contractors
General Liability
Covers third-party bodily injury, property damage, and completed operations. Required by most San Diego GCs and project owners.
Workers' Comp
Required under SB 216 for most CA trades. Covers medical bills and lost wages for injured workers.
Commercial Auto
Covers work trucks, vans, and trailers on the job in San Diego and San Diego County.
Contractor Bond
CSLB-required $15,000 license bond. Protects clients if you fail to complete a job.
Builder's Risk
Covers buildings under construction against fire, theft, vandalism, and weather damage.
Tools & Equipment
Covers your tools and equipment against theft, damage, and breakdown on San Diego job sites.
Insurance by Trade in San Diego
Find coverage specific to your trade
Contractor Insurance FAQ — San Diego
How much does contractor insurance cost in San Diego?⊕
In San Diego (San Diego County), contractors typically pay $2,800–Varies for GL, $12–$28/hr per $100 payroll for WC, and $1,800–Varies for commercial auto. Rates vary by trade, payroll, and claims history.
Is contractor insurance required in San Diego?⊕
Yes. CSLB requires a $15,000 contractor bond. SB 216 Phase 1 requires WC for most trades since Jan 1, 2023. Phase 2 (Jan 1, 2028) extends this to all trades. GL is required by most San Diego GCs and project owners.
How fast can I get a COI in San Diego?⊕
Asena Capital issues timely Certificates of Insurance for most San Diego contractors. Submit online or call (858) 925-9555 and we'll email your COI within 1–2 hours during business hours.
What is the CSLB license bond requirement?⊕
All CSLB-licensed contractors must maintain a $25,000 contractor license bond. This bond protects homeowners and clients if you fail to complete a job or cause damages. Without it, your CSLB license is suspended.
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