Frequently Asked Questions
Does the contractor's insurance cover subcontractors I hire?
Subcontractors are not always covered under your policy, which can leave gaps if they cause damage or injury. Many general contractors require subcontractors to carry their own liability insurance. We recommend reviewing all contracts carefully and adding policy endorsements if you regularly hire subcontractors.
Can liability insurance help me win more bids?
Yes. Many project owners and state licensing boards require proof of coverage before awarding contracts. Having the right liability insurance for contractors not only protects your business but also makes you more competitive by demonstrating professionalism and financial responsibility.
How do policy limits affect my protection?
Policy limits define the maximum amount an insurer will pay for a covered claim. If damages exceed your limits, your business is responsible for the remaining costs. We guide you through choosing appropriate limits based on your project sizes, client requirements, and potential exposure.
Is contractor's insurance required by California law?
While not every form of coverage is mandated, general liability is often required to maintain your state contractor’s license. Workers compensation is required if you have employees. Beyond legal requirements, carrying contractors insurance protects you from lawsuits and helps maintain trust with your clients.
