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Contractors Liability Insurance California



Contractors General Liability Insurance is a type of commercial insurance designed to protect contractors against liability caused by injury and damages that may arise from work performed on a construction project. It is a specific type of liability insurance policy geared for small artisan contractors, remodel contractors, and larger contractors including hard to place risks. Contractor Liability protects against a range of issues including accidents, negligence and oversight. If you are an employer or contractor in any field of expertise, it is important that you are aware of all the potential pitfalls that can occur on the job, and how the right insurance can protect you from any unforeseen complications down the line.

Although Contractor General Liability is not required by law in California, if the contractor does not carry general liability insurance, the contractor would be personally liable for any damages caused by the contractor while executing a contract. Because of this, most project managers and home owners require a certificate of insurance before a contractor can start a project.


California Contractor’s Bond is a requirement for the issuance of an active license, reactivation of a license, and for the maintenance of an actively renewed license (Business and Professions Code Section). The bond is filed for the benefit of consumers who may be damaged as a result of defective construction or other license law violations, and for the benefit of employees who have not been paid wages that are due to them. Our competitive CA Contractor’s Bond Programs  make the process easy  and affordable from quote, to  purchase, to bond issuance.


Builders Risk Insurance, also known as Course of Construction Insurance is a type of property insurance designed to provide temporary coverage against damage or loss during the course of  construction. Builders risk insurance can cover the structure only, or can be expanded to include building materials on the job site or in transit to the site. Builders risk insurance can be purchased for new construction and remodeling projects. Builders Risk Insurance protects against damage done to the insured structure from a variety of events. Most builders risk policies cover property damage from fire, wind, theft, lightning, hail, explosion and vandalism.


  • Builder’s Risk up to $100,000,000
  • OCP Builder’s Risk
  • Green “Leed” Builders Risk coverage forms
  • Renovation Builder’s Risk
  • Minimum Deductible – $1,000 per Occurrence/Minimum premium $850 for qualifying risks
  • Policy extensions and multi-year policies can be considered.
  • Broad Appetite – Shopping Centers, Strip Malls, Condo’s, Schools, Hotels, Warehousing, Industrial Building
  • Retail Space, Office Buildings and some Habitational (Multi-State Schedules)
  • Crime-written in conjunction with Property

Our specialists at First Knight Insurance are ready to advise you on the plans and providers most suited for you and give you a comprehensive Contractors Insurance Quote. Call 818-762-7600 or fill out a quote request. 

Classes written

  • Carpet Cleaning
  • Concrete Flatwork
  • Concrete Pumping
  • Drilling
  • Electrical
  • Equipment Rental with Operator
  • Excavation
  • Fencing
  • Flooring
  • Foundations
  • Framing
  • Furniture Installation
  • Grading
  • Guniting
  • HVAC
  • Insulation
  • Janitorial
  • Landscaping
  • Masonry
  • Metal Erection – Decorative
  • Metal Erection – Structural
  • Painting
  • Plastering
  • Plumbing
  • Refrigeration
  • Remodeling – Commercial & Residential
  • Roofing – Commercial & Residential
  • Sandblasting
  • Septic tank install, service & repair
  • Sewer Mains & Connections
  • Water Mains & Connections
  • Sign Install & Repair
  • Swimming Pool Install
  • Swimming Pool Maintenance
  • Tile & Marble
  • Tree Trim & Removal
  • Welding
  • Window & Door Install
  • GC/Paper Contractors

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