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.

Insights

Commercial Insurance Insights

Coverage guides, risk management strategies, and industry-specific insights to help business owners make informed insurance decisions.

The Complete Guide to Commercial Insurance Premium Audits

Most business owners are caught off guard by their first insurance audit. This comprehensive guide walks you through exactly how premium audits work, why they exist, what documentation you need, and how to avoid owing a large audit bill.

May 10, 20268 min read

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64 articles

Coverage Guides

How Much Does General Liability Insurance Cost for Contractors in California?

General liability insurance for California contractors typically ranges from $500 to $3,500+ per year. Learn what drives the cost, how trades are classified, and how to lower your premium.

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July 29, 20267 min read

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Compliance Guides

California Workers Compensation Requirements: A Complete Guide for Employers

California requires nearly all employers to carry workers compensation insurance. This guide covers who must comply, penalties for non-compliance, how premiums are set, and how to stay protected.

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July 29, 20268 min read

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Contractor Guides

Contractor License Bond California: Cost, Requirements & How to Get One

California requires a $25,000 contractor license bond from the CSLB. Learn what it costs, who needs it, how it works, and how to get bonded fast — plus when you may need additional bonds.

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July 29, 20266 min read

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Business Tips

How to Get a Certificate of Insurance (COI) Fast

A certificate of insurance proves you carry the coverage your clients require. Learn what a COI is, what to check, and how to get one issued within 24 hours — without slowing your project down.

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July 29, 20265 min read

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Coverage Guides

Commercial Auto Insurance in California: What It Covers and What It Costs

Commercial auto insurance is required for any business vehicle in California. Learn what it covers, the state minimums, what drives the cost, and how to insure fleets and hired vehicles.

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July 29, 20267 min read

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Coverage Guides

Cyber Liability Insurance for Small Businesses in California

Small businesses are the #1 target for cyberattacks. Learn what cyber liability insurance covers, what it costs in California, and why your general liability policy does not protect you.

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July 29, 20266 min read

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Free Resource

New to Commercial Insurance?

Browse our plain-English glossary — 34 terms explained so you always know what you're signing.

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