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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Solar Contractor Insurance — Renewables Risk Specialists

Solar Contractor Insurance
in California

Solar installation combines roofing, electrical, and structural risks into one trade. Capital & Co has programs designed specifically for residential and commercial solar contractors in California and across the US.

Key Risks for Solar Contractors

Roof penetration and water intrusion from improper mounting

Electrical liability from inverter, panel, and wiring work

Fire damage from DC arc faults in solar systems

Falls from height during rooftop panel installation

Equipment damage during transport and installation

Professional liability for energy production estimates

Coverage Requirements

Coverage

Typical Limit

Required

Why It Matters

General Liability

$1M/$2M

Including completed operations for roof and electrical work

Workers Compensation

Statutory

Required — rooftop work carries elevated risk

Commercial Auto

$1M CSL

For panel delivery vehicles and service trucks

Inland Marine

$100K+

Covers solar panels and inverters in transit and on-site

Professional Liability

$1M

For energy output guarantees and design work

Solar Contractor Insurance Guides

Insurance Tips

Solar Contractor Insurance: The Coverages You Can't Overlook

Risk Management

DC Arc Fault Liability: Fire Risks in Solar Installations

Why Capital & Co

Specialized market access for solar 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

Solar Contractor Insurance in California

Key Risks for Solar Contractors

Coverage Requirements

Solar Contractor Insurance Guides

Why Capital & Co

Solar Contractor Insurance
in California