What is Capital & Co Insurance Services?

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

Does a standard homeowner policy cover a rental property?

No. Homeowner policies typically exclude rental activity. You need a landlord (dwelling) policy or commercial property policy depending on the size of your holdings.

Do I need separate coverage for each property?

Small portfolios can sometimes be scheduled on one policy. Larger portfolios often benefit from a commercial package or blanket property program.

Is earthquake insurance required in California?

It is not legally required, but highly recommended. Standard property policies exclude earthquake damage, and lenders may require it.

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.

Real Estate & Landlord Insurance · California

Insurance Programs for Property Owners & Investors

Property owners and investors need coverage that protects physical assets, responds to tenant and visitor liability claims, and covers loss of rental income when a property is damaged. Whether you own a single-family rental or a multi-unit portfolio, we build programs that scale with your holdings.

Key Risks

Tenant and visitor bodily injury claims

Fire, water, and structural property damage

Loss of rental income after a covered loss

Vacant property exposure between tenants

Earthquake and flood risks in California

Landlord liability from habitability claims

Coverage Programs

Core / Typically Required

Landlord / Dwelling Policy

Core property and liability coverage for rental properties.

General Liability

Protects against bodily injury and property damage claims from tenants or visitors.

Recommended / Optional

Loss of Rents

Pays lost rental income if your property becomes uninhabitable after a covered loss.

Umbrella Liability

Adds an additional layer of protection above primary limits.

Earthquake Coverage

Standalone coverage for earthquake damage, separate from standard property policies.

Vacant Property

Specialized policy for properties unoccupied for 30+ days.

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 property & portfolio owners 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