Contractor Insurance in Los Angeles
Capital & Co Insurance Services helps contractors in Los Angeles and across Los Angeles County put together the commercial insurance their licenses, contracts and job sites call for. We work with general contractors and specialty trades, from remodelers and roofers to electricians, plumbers, HVAC, concrete and tree care companies. Capital & Co Insurance Services, California License #6002332.
Coverage Los Angeles contractors commonly need
- General liability: for third-party bodily injury and property damage claims from your operations and completed work. Many general contractors and property owners require it before you start.
- Workers' compensation: required in California if you have employees. CSLB already requires C-8, C-20, C-22, C-39 and C-61/D-49 licensees to carry it even with no employees, and starting January 1, 2028 (SB 216, as delayed by SB 1455) all active CSLB licensees will need it on file.
- Commercial auto: for trucks, vans and other vehicles used for work.
- Tools and equipment (inland marine): for equipment on the job site or in transit.
- Contractor license bond: CSLB requires a $25,000 contractor license bond for active licenses.
- Umbrella / excess liability: added limits when a contract asks for more than your underlying policies provide.
- Builder's risk: for a structure while it is being built or renovated.
Contracts, COIs and additional insured requests
Los Angeles projects often come with contract insurance requirements: additional insured endorsements, primary and noncontributory wording, waivers of subrogation and minimum limits. We review those requirements with you before you sign where possible, so you can see whether your coverage meets them. Existing clients can request a certificate of insurance.
What affects contractor insurance cost
Cost depends on your trade, payroll, revenue, claims history, the type of work you do (residential, commercial, new construction or remodel), and the limits you need. We don't publish price ranges because two contractors in the same trade can be priced very differently. Read our guide to contractor GL cost in California.
Trades we work with in Los Angeles
General contractors, roofing, electrical, plumbing, HVAC, concrete, tree trimming, painting, drywall, flooring, landscaping and other specialty trades.
Serving the Los Angeles area
We work with contractors throughout Los Angeles County, including Santa Monica, Beverly Hills, West Hollywood, Pasadena, Glendale, Burbank and Long Beach, and elsewhere in California.
Capital & Co Insurance Services, 5455 Wilshire Blvd., Suite 1816, Los Angeles, CA 90036 · 310-492-2007 · California License #6002332.
Get a quote
Tell us about your business and your contract requirements and we'll review coverage options with you. Request a quote.
Coverage is subject to underwriting and policy terms.
Do contractors in Los Angeles need general liability insurance?
California doesn't require GL for every license, but most general contractors, property owners and public agencies require it in their contracts. LLC licensees must carry liability insurance of at least $1 million aggregate (more with a larger personnel of record) and a $100,000 LLC employee/worker bond.
Is workers' comp required for Los Angeles contractors?
If you have employees, yes. C-8 concrete, C-20 HVAC, C-22 asbestos abatement, C-39 roofing and C-61/D-49 tree service licensees need it even without employees, and starting January 1, 2028 all active CSLB licensees will need it on file.
What is a contractor license bond?
A $25,000 bond required by the CSLB to get and keep an active license. It protects consumers and others, not the contractor.
Can you help with additional insured and COI requirements?
Yes. Send us the contract's insurance section and we'll review it with you. Existing clients can request COIs online.
How much does contractor insurance cost in Los Angeles?
It depends on your trade, payroll, claims history and limits. We'll review your details and give you options.
Do you insure contractors outside Los Angeles?
We serve contractors throughout California.