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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Restoration Contractor Insurance

Restoration Contractor Insurance
in California

Professional Restoration Contractor insurance coverage. Protect your business with comprehensive liability, workers compensation, and specialized coverage tailored to your trade.

Key Risks for Restoration Contractors

Third-party bodily injury and property damage claims

Employee injury and workers compensation claims

Tools and equipment loss or damage

Contract disputes and project delays

Professional liability for workmanship

Commercial auto exposure from work vehicles

Coverage Requirements

Coverage

Typical Limit

Required

Why It Matters

General Liability

$1M/$2M

Standard minimum for most contractor work

Workers Compensation

Statutory

Required in virtually all states

Commercial Auto

$1M CSL

For work vehicles and equipment transport

Tools & Equipment

$25K–$100K

Protects specialized trade tools

Excess / Umbrella

$1M–$5M

For larger commercial contracts

Why Capital & Co

Specialized market access for restoration contractor programs
California-specific regulatory knowledge and compliance
Competitive rates across 50+ admitted and non-admitted carriers
1-hour quote turnaround for most contractor submissions
Dedicated claims advocacy and certificate management

Restoration Contractor Insurance in California

Key Risks for Restoration Contractors

Coverage Requirements

Why Capital & Co

Restoration Contractor Insurance
in California