What is Capital & Co Insurance Services?

Capital & Co Insurance Services manages 2 data types including insurance products.

What types of commercial insurance does Capital & Co offer?

Capital & Co offers general liability, workers compensation, commercial auto, commercial property, umbrella/excess liability, professional liability (E&O), cyber liability, surety bonds, inland marine, and builders risk insurance for businesses in California and nationwide.

Do I need workers compensation insurance in California?

Yes. California law requires most employers to carry workers compensation insurance, even for part-time employees. Failure to carry it is a criminal offense. Capital & Co can help you get compliant coverage quickly.

How much does general liability insurance cost for a contractor?

General liability insurance for contractors in California typically ranges from $500 to $3,000+ per year depending on trade, payroll, revenue, and claims history. Capital & Co shops 50+ carriers to find the most competitive rate.

How quickly can I get a certificate of insurance (COI)?

Capital & Co processes certificate of insurance requests within 24 business hours. Existing clients can submit a COI request online at capcoinsurance.com/coi-request.

Does Capital & Co serve businesses outside of Los Angeles?

Yes. While our primary market is Los Angeles and Southern California, Capital & Co places commercial insurance for businesses throughout California and nationwide through our carrier network.

What is a surety bond and does my contractor license require one?

A surety bond is a three-party guarantee that a contractor will fulfill their contractual obligations. California requires most licensed contractors to carry a $25,000 contractor license bond (CSLB bond). Capital & Co can issue contractor bonds same-day in most cases.

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California Commercial Insurance Guide | Capital & Co

What California businesses should know about commercial insurance: core coverages, regulatory requirements and contract obligations.

Pages

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About — Capital & Co Insurance Services is a commercial insurance agency focused exclusively on commercial lines for California business owners. License #6002332.
Contact — Contact Capital & Co for California contractor insurance help with general liability, workers comp, bonds, certificates of insurance and quotes.
Quote — Quote on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Contractor Insurance — Insurance for general contractors and specialty trades in California: general liability, workers comp, surety bonds and inland marine. License #6002332.
Coverages — Coverages on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Coverage Surety Bonds — Contractor license, bid, performance and payment bonds for California contractors. Explore surety bond options with Capital & Co Insurance Services.
Privacy Policy — How Capital & Co Insurance Services collects, uses and protects the information you share on capcoinsurance.com.
Industries — Industries on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Claims — Had a loss? How to file a commercial insurance claim, what documents to gather, and how Capital & Co supports you through the process.
Resources — Guides, FAQs and a glossary to help California contractors and business owners understand commercial insurance. Capital & Co, License #6002332.
Insights — Insights on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Insight Cslb Workers Comp2028 — California contractors: who must carry workers' comp now, who can file an exemption, and what changes on January 1, 2028.
Insight Cslb Llc Insurance Worker Bond — What California contractor LLCs must carry: the $1M+ liability insurance rule and the $100,000 employee/worker bond.
Insight Waiver Of Subrogation — What a waiver of subrogation is, why GCs and owners ask for it, which policies it applies to, and how to add one before a job.
Insight General Liability Cost Contractors Ca — What affects general liability insurance cost for California contractors: trade, payroll, claims history and limits. A guide from Capital & Co.
Insight Ca Workers Comp Complete Guide — California workers' compensation requirements for employers and contractors, including subcontractors and 1099 workers. A guide from Capital & Co.
Insight Contractor License Bond California Cost Requirements — California contractor license bond requirements and what affects bond cost, explained for CSLB license holders. A guide from Capital & Co.
Insight How To Get Certificate Of Insurance Fast — How California contractors request a certificate of insurance (COI), including additional insured and waiver wording. A guide from Capital & Co.
Insight Commercial Auto Insurance California Cost Coverage — Commercial auto insurance in California: what it covers, what affects cost, and when business vehicles need it. A guide from Capital & Co.
Insight Cyber Liability Insurance Small Business California — Cyber liability insurance for California small businesses: common risks, coverage types and questions to ask. A guide from Capital & Co Insurance Services.
Insight Commercial Property Insurance California Guide — A guide to commercial property insurance in California: buildings, equipment, inventory and common exclusions. From Capital & Co Insurance Services.
Insight Umbrella Excess Liability Insurance Explained — How umbrella and excess liability insurance work for California contractors and businesses, and when contracts call for them. A guide from Capital & Co.
Insight Restaurant Insurance California Guide — A guide to restaurant insurance in California: general liability, liquor liability, property and workers comp. From Capital & Co Insurance Services.
Insight Solar Contractor Insurance Risks — Solar contractor insurance in California: rooftop, electrical and completed-work risks, and the coverages to consider. A guide from Capital & Co.
Insight Pool Contractor Insurance Guide — Pool contractor insurance in California: GL, workers comp, inland marine and auto for pool builders and service firms. A guide from Capital & Co.
Insight Demolition Contractor Insurance High Risk — How demolition contractors in California can approach GL, workers comp, pollution and umbrella coverage for high-hazard work.
Insight Tree Trimming Contractor Insurance Arborist — Tree trimming and arborist insurance in California: GL, workers comp, equipment and auto for tree care contractors. A guide from Capital & Co.
Insight Fire Sprinkler Contractor Insurance Guide — Fire sprinkler contractor insurance in California: GL, professional liability, workers comp and equipment coverage. A guide from Capital & Co.
Insight Restoration Contractor Insurance Guide — Restoration contractor insurance in California: water, fire and mold work, pollution liability and GL. A guide from Capital & Co Insurance Services.
Insight Glazing Contractor Insurance Guide — Glass handling, installation and transit risks for glazing contractors, plus the GL, inland marine and workers comp coverage to review.
Insight Insulation Contractor Insurance Guide — Fire, dust and confined-space exposures for insulation contractors, and the GL, product performance and workers comp coverage to review.
Insurance Guide — An overview of general liability, property, workers compensation, commercial auto and specialized coverage for business owners. From Capital & Co.
Commercial Insurance Guide — What California businesses should know about commercial insurance: core coverages, regulatory requirements and contract obligations.
General Contractor Insurance — General Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Plumbing Contractor Insurance — Plumbing Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Roofing Contractor Insurance — Roofing Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Electrical Contractor Insurance — Electrical Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Hvac Contractor Insurance Page — HVAC contractor insurance in California. HVAC contractors face unique risks from refrigerant handling, gas line work, and complex mechanical installations.
Concrete Contractor Insurance — Concrete Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Painting Contractor Insurance — Painting Contractor Insurance on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Drywall Contractor Insurance — Drywall Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Framing Contractor Insurance — Framing Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Stucco Contractor Insurance — Stucco Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Excavation Contractor Insurance — Excavation Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Solar Contractor Insurance — Solar Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Flooring Contractor Insurance — Flooring Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Tile Contractor Insurance — Tile Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Masonry Contractor Insurance — Masonry Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Landscaping Contractor Insurance — Landscaping Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Tree Trimming Contractor Insurance — Tree Trimming Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Grading Contractor Insurance — Grading Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Demolition Contractor Insurance — Demolition Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Welding Contractor Insurance — Welding Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Carpentry Contractor Insurance — Carpentry Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Handyman Contractor Insurance — Handyman insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Ironwork Contractor Insurance — Ironwork Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Fence Contractor Insurance — Fence Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Pool Contractor Insurance — Pool Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Janitorial Contractor Insurance — Janitorial Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Window Cleaning Contractor Insurance — Window Cleaning Contractor insurance in California. General liability, workers comp, commercial auto, tools, equipment and bonds.
Pressure Washing Contractor Insurance — Pressure Washing Contractor insurance in California. General liability, workers comp, commercial auto, tools, equipment and bonds.
Garage Door Contractor Insurance — Garage Door Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Insulation Contractor Insurance — Insulation Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Siding Contractor Insurance — Siding Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Low Voltage Contractor Insurance — Low Voltage Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Security Alarm Contractor Insurance — Security Alarm Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Fire Sprinkler Contractor Insurance — Fire Sprinkler Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Waterproofing Contractor Insurance — Waterproofing Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Glazing Contractor Insurance — Glazing Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Septic Contractor Insurance — Septic Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds.o helps contractors find cover.
Paving Contractor Insurance — Paving Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Asphalt Contractor Insurance — Asphalt Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Sign Installation Contractor Insurance — Sign Installation Contractor insurance in California. General liability, workers comp, commercial auto, tools, equipment and bonds. License #6002332.
Cabinet Installer Insurance — Cabinet Installer insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Countertop Installer Insurance — Countertop Installer insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Restoration Contractor Insurance — Restoration Contractor insurance in California. General liability, workers comp, commercial auto, tools & equipment, and surety bonds. License #6002332.
Mold Remediation Contractor Insurance — Mold Remediation Contractor insurance in California. General liability, workers comp, commercial auto, tools, equipment and bonds. License #6002332.
Door And Window Installation Contractor Insurance — Door and window installer insurance in California. General liability, workers comp, commercial auto, tools, equipment and bonds. License #6002332.
Water Damage Restoration Contractor Insurance — Water damage restoration insurance in California. General liability, workers comp, commercial auto, tools, equipment and bonds. License #6002332.
Service Areas — Capital & Co serves businesses throughout Los Angeles County and California. Find your city for coverage information and a quote.
City Santa Monica — Business insurance for Santa Monica, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Beverly Hills — Contractor insurance for Beverly Hills, CA: GL, workers comp, auto, bonds and COIs for construction trades. Request a quote from Capital & Co.
City West Hollywood — Business insurance for West Hollywood, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Culver City — Business insurance for Culver City, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Burbank — Business insurance for Burbank, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Pasadena — Business insurance for Pasadena, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Long Beach — Business insurance for Long Beach, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Glendale — Business insurance for Glendale, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Torrance — Business insurance for Torrance, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City El Segundo — Business insurance for El Segundo, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Inglewood — Business insurance for Inglewood, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
City Manhattan Beach — Business insurance for Manhattan Beach, CA: general liability, workers comp, commercial auto, property, cyber and bonds. Request a quote from Capital & Co.
Guides And FA Qs — Answers to common questions about general liability, workers comp, commercial auto, umbrella coverage and how much coverage you need.
Location Los Angeles Commercial — Commercial insurance for Los Angeles businesses. General liability, workers comp, commercial auto, property, and contractors coverage. License #6002332.
Location Santa Clarita Commercial — Capital & Co, based in Los Angeles, serves Santa Clarita businesses with commercial insurance for contractors, industrial and service firms.
Location Santa Monica Commercial — Commercial insurance for Santa Monica, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Long Beach Commercial — Commercial insurance for Long Beach, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Pasadena Commercial — Commercial insurance for Pasadena, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Glendale Commercial — Commercial insurance for Glendale, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Torrance Commercial — Commercial insurance for Torrance, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Culver City Commercial — Commercial insurance for Culver City, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Irvine Commercial — Commercial insurance for Irvine, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Anaheim Commercial — Commercial insurance for Anaheim, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Santa Ana Commercial — Commercial insurance for Santa Ana, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Ventura Commercial — Commercial insurance for Ventura, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Oxnard Commercial — Commercial insurance for Oxnard, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Santa Barbara Commercial — Commercial insurance for Santa Barbara, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location San Luis Obispo Commercial — Commercial insurance for San Luis Obispo, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Santa Cruz Commercial — Commercial insurance for Santa Cruz, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Bakersfield Commercial — Commercial insurance for Bakersfield, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Fresno Commercial — Commercial insurance for Fresno, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location San Jose Commercial — Commercial insurance for San Jose, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Oakland Commercial — Commercial insurance for Oakland, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location San Francisco Commercial — Commercial insurance for San Francisco, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location Sacramento Commercial — Commercial insurance for Sacramento, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Location San Diego Commercial — Commercial insurance for San Diego, CA businesses: general liability, workers comp, property and commercial auto. Request a quote from Capital & Co.
Industry Contractors — Contractor insurance programs for general contractors and specialty trades. General liability, workers comp, surety bonds, and inland marine coverage.
Industry Real Estate Owners — Commercial insurance for California real estate investors and property owners: property, liability and umbrella options. Request a quote from Capital & Co.
Industry Trucking Transportation — Commercial insurance for California trucking and transportation businesses: auto, cargo and liability options. Request a quote from Capital & Co.
Industry Restaurants Hospitality — Insurance for California restaurants, bars and hospitality businesses: GL, property, liquor liability and workers comp. Request a quote from Capital & Co.
Industry Manufacturers — Commercial insurance for California manufacturers: property, product liability, equipment and workers comp options. Request a quote from Capital & Co.
Industry Medical Professional — Business insurance for California medical and professional offices: liability, property and cyber options. Request a quote from Capital & Co.
Industry Retail Wholesale — Commercial insurance for California retail stores and wholesalers: BOP, property, liability and workers comp. Request a quote from Capital & Co.
Industry Startups Growth — Business insurance for California startups and growing companies: GL, D&O, cyber and workers comp options. Request a quote from Capital & Co.
Coverage General Liability — Protect your commercial construction business with general liability insurance for third-party bodily injury and property damage claims.
Coverage Workers Compensation — California law requires workers comp for most employers. Capital & Co helps contractors and businesses stay compliant and protect their workforce.
Coverage Commercial Auto — Commercial auto insurance for California businesses: owned, leased, rented and employee-owned vehicles used for work. Request a quote from Capital & Co.
Coverage Commercial Property — Commercial property insurance for California businesses: buildings, equipment and inventory. Talk with Capital & Co Insurance Services about options.
Coverage Umbrella Liability — Umbrella and excess liability insurance for California businesses, adding limits above underlying CGL and auto policies. Request a quote from Capital & Co.
Coverage Professional Liability — Professional liability (E&O) insurance for California businesses that provide professional advice or services. Request a quote from Capital & Co.
Coverage Cyber Liability — Cyber liability insurance for California businesses: data breach, ransomware and cyber incident coverage. Request a quote from Capital & Co.
Coverage Inland Marine — Inland marine and contractor tools and equipment insurance for California businesses, on the job site or in transit. Request a quote from Capital & Co.
Coverage Builders Risk — Builder's risk insurance for California construction and renovation projects, covering the structure while it is built. Request a quote from Capital & Co.
COI Request — COI Request on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Thank You — Thank You on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Insurance Network — Insurance Network on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Glossary — Definitions of common commercial insurance terms, from additional insured and waiver of subrogation to experience mod and completed operations.
Terms Of Service — The terms that apply when you use capcoinsurance.com, including quote requests and website content.
Partners — Partners on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Renewal Reminders — Renewal Reminders on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Hvac Contractor Insurance — Hvac Contractor Insurance on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Construction Contractor Insurance — Construction Contractor Insurance on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find.
Commercial Trucking Insurance — Commercial Trucking Insurance on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Construction Contractor Insurance Texas — Construction Contractor Insurance Texas on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors.
Client Portal — Client Portal on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find cover.
Lp Commercial Insurance Los Angeles — Lp Commercial Insurance Los Angeles on Commercial Contractor Insurance | Capital & Co. Commercial Contractor Insurance | Capital & Co helps contractors find.