Question 1

What types of commercial insurance does Capital & Co offer?

Accepted Answer

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.

Question 2

Do I need workers compensation insurance in California?

Accepted Answer

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.

Question 3

How much does general liability insurance cost for a contractor?

Accepted Answer

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.

Question 4

How quickly can I get a certificate of insurance (COI)?

Accepted Answer

Capital & Co processes certificate of insurance requests within 24 business hours. Existing clients can submit a COI request online at capcoinsurance.com/coi-request.

Question 5

Does Capital & Co serve businesses outside of Los Angeles?

Accepted Answer

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.

Question 6

What is a surety bond and does my contractor license require one?

Accepted Answer

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.