General contractors operating under Class Code 801 face broad liability exposure across multiple trades and job site hazards.
Class Code 801 Coverage Requirements
General Liability Insurance: $1M/$2M is the industry standard. Most commercial clients require this minimum; larger projects demand $2M/$4M.
Workers Compensation: Required per California law. Your experience modification directly affects your competitiveness on public bids.
Commercial Auto: Essential for equipment transport, site delivery, and crew transportation.
Contractor's Equipment: Tools, scaffolding, and temporary structures require inland marine coverage.
Additional Insured Endorsement (AI)
Nearly all client contracts require:
- Owners listed as additional insureds
- Ongoing and completed operations coverage
- Primary and non-contributory language
- Blanket AI endorsements simplify compliance
Experience Modification Management
Your EMR reflects three years of claims history. Public works projects often require EMR ≤ 1.0.
EMR Reduction Strategies:
- Formal safety program (OSHA 30 certification)
- Return-to-work programs for injured employees
- Incident investigation protocols
- Regular safety inspections and toolbox talks
Umbrella Liability
For large projects ($5M+), $5M umbrella liability is standard. It covers:
- Excess GL limits
- Employment practices liability
- Professional liability gaps
Capital & Co places comprehensive GC insurance programs that win bids and protect your business.
Questions About Your Coverage?
Speak with Capital & Co about a strategy built for your business.
