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Stay Compliant and Protected in California’s High-Risk Construction Environment

California contractors face some of the strictest licensing, insurance, and liability regulations in the country. Whether you’re framing homes in Fresno or installing solar panels in San Diego, Affordable Contractors Insurance (ACI) helps you stay compliant and covered—with policies built for your business and your budget.

Why Contractors in California Choose ACI

We understand California’s insurance landscape inside and out. Here’s what makes ACI different:

Statewide Licensing:
Licensed to insure contractors across all of California

Fast Quotes & Certificates:
Fast, same-day quotes and certificates

Bundled Savings:
Save up to 25% when you bundle policies

Local Expertise:
Advisors who know California CSLB requirements

High-Risk Coverage:
Coverage tailored to high-risk trades like roofing, demo, and sola

 

Stay Compliant and Protected in California’s High-Risk Construction Environment

We provide all the essential policies required for licensed and unlicensed contractors operating across California.

Covers third-party injuries, property damage, and legal costs—required by most project owners and the CSLB.

Required in California, even if you have just one employee. Covers medical bills and lost wages.

Protects your work trucks, vans, and vehicles used to haul tools or employees between job sites.

Replaces or repairs tools stolen or damaged on-site, in transit, or in storage.

Covers materials, equipment, and structures during new construction, remodeling, or renovation.

Covers third-party injuries, property damage, and legal costs—required by most project owners and the CSLB.

Who We Cover in California

We insure a wide range of licensed and specialty contractors in California:

If you work in California construction or trades—we’ve got you covered.

How Much Does Contractor Insurance Cost in California?

Contractor insurance costs in California depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:

Cost Factors

Residential vs. commercial policies have different coverage needs and price points.

The number of employees and job scope can raise or lower your premium.

Higher annual revenue may increase your coverage needs and impact rates.

Higher limits mean more protection—but also a higher premium.

A higher deductible lowers your premium but increases out-of-pocket costs during a claim.

Example: Deductible Impact on Monthly Cost

If your deductible is $1,000, you’ll pay that amount before your insurer covers the rest of a claim. Lower deductibles mean higher premiums—but better protection when things go wrong.

California Contractor Insurance Requirements

California law requires contractors to carry specific types of insurance, including:

General Liability Insurance

Mandatory to get or renew a license with the Contractors

Workers’ Compensation

Required if you have any employees—even one.

Commercial Auto Insurance

Legally required if you drive work vehicles

Need help understanding California’s CSLB insurance guidelines? We’ll walk you through it.

Get a Free Contractor Insurance Quote

in California

Don’t waste time shopping around. Get a fast, affordable quote tailored to your California trade.

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