🏗️General Contractor Insurance
General Contractor Insurance — Full-Scope Programs
General Contractor Insurance
in California
As the prime contractor, you're responsible for the entire project — and the entire liability chain. Capital & Co builds GC programs that address subcontractor exposure, completed operations, and owner-controlled requirements.
Key Risks for General Contractors
Subcontractor negligence creating vicarious liability for the GC
Completed operations claims on large commercial projects
Builders risk coverage gaps during construction
OCIP and CCIP enrollment requirements on large projects
Workers comp for mixed crews of employees and subcontractors
Design-build liability when overseeing architect or engineer subs
Coverage Requirements
Coverage
Typical Limit
Required
Why It Matters
General Liability
$2M/$4M
Higher limits typically required on commercial GC work
Workers Compensation
Statutory
For all W-2 employees on all job sites
Commercial Auto
$1M CSL
Fleet and owner-operator coverage
Builders Risk
Project value
Often required by the project owner or lender
Excess / Umbrella
$5M–$25M
Frequently required on public and commercial GC contracts
Professional Liability
$1M–$2M
Required on design-build contracts