Guides

Contractor insurance, explained plainly.

No jargon, no sales pitch — just straight answers to what California contractors actually ask before they buy a policy.

Workers' Comp for Contractors With No Employees: Do You Still Need It?

Working alone as a California contractor? When Workers Comp is required, who can file a CSLB exemption, and why 2028 changes the answer.

October 14, 2026 · 7 min read

The four things every California contractor needs: the $25,000 CSLB bond, Workers Comp, GL, and commercial auto, and which ones a GC asks to see.

October 5, 2026 · 9 min read

What contractor general liability covers in California, what it doesn't, what it typically costs, and the limits GCs expect on a certificate.

October 1, 2026 · 6 min read

How contractors get a same-day certificate of insurance: what to send your agent, what GCs check, and why COIs get rejected.

September 30, 2026 · 7 min read

The $25,000 CSLB contractor license bond: what it is, what you actually pay, what it protects, and how to keep your license active.

September 23, 2026 · 7 min read

Who needs Workers Comp in California, which contractors can file a CSLB exemption, and what changes when you hire or when 2028 hits.

September 22, 2026 · 7 min read