What is Capital & Co Insurance Services?

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

How much does contractor general liability cost?

Most small contractors pay between $800–$3,500/year depending on trade, payroll, and revenue. High-risk trades like roofing and demolition tend to cost more.

Do I need Workers Comp if I only have subcontractors?

In California, if you hire uninsured subcontractors, you may be treated as their employer and required to carry workers comp for them.

Can I get added as an Additional Insured on a GC policy?

Yes — this is standard practice. Subcontractors typically provide AI endorsements to general contractors at project start.

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.

Construction & Trades Insurance · California

Contractor Insurance Built for the Job Site

Contractors face unique exposures on every project — from third-party injury on job sites to property damage during work. Subcontractors often need to be listed as Additional Insured on general contractor policies. Capital & Co specializes in securing competitive programs tailored to your trade.

Key Risks

Third-party bodily injury on active job sites

Property damage caused during operations

Completed operations claims after project delivery

Tools, equipment, and material theft or loss

Subcontractor liability and certificate requirements

Workers compensation for crew members

Coverage Programs

Core / Typically Required

General Liability

Protects against third-party bodily injury and property damage claims.

Workers Compensation

Required for employees — covers medical costs and lost wages.

Recommended / Optional

Builders Risk

Covers structures under construction against fire, theft, and weather.

Inland Marine / Tools

Covers tools, equipment, and materials on and off job sites.

Commercial Auto

Covers company vehicles used for business purposes.

Surety / License Bonds

Protects project owners and satisfies licensing requirements.

COI Requirement Checker

Select your industry / trade

Typical contract size

Public or private work?

License status

Answer the 3 questions above to see required limits and policy types.

Frequently Asked Questions

Why Capital & Co

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

Modern office building representing commercial business insurance and corporate coverage solutions

Get Started

Ready to Place a Risk?

Our team is standing by to help you find the right commercial coverage. Submit your information and get a competitive quote from Capital & Co.

License #6002332 · California Licensed Agency