Contractor Insurance
in California

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.
- General Liability Insurance
Covers third-party injuries, property damage, and legal costs—required by most project owners and the CSLB.
- Workers’ Compensation
Required in California, even if you have just one employee. Covers medical bills and lost wages.
- Commercial Auto Insurance
Protects your work trucks, vans, and vehicles used to haul tools or employees between job sites.
- Tools & Equipment Coverage
Replaces or repairs tools stolen or damaged on-site, in transit, or in storage.
- Builder’s Risk Insurance
Covers materials, equipment, and structures during new construction, remodeling, or renovation.
- Professional Liability Insurance
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:
- Roofers
- General Contractors
- HVAC Contractors
- Plumbers
- Electricians
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
- Policy Type
Residential vs. commercial policies have different coverage needs and price points.
- Business Size
The number of employees and job scope can raise or lower your premium.
- Revenue
Higher annual revenue may increase your coverage needs and impact rates.
- Policy Limits
Higher limits mean more protection—but also a higher premium.
- Deductible
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.