Contractors Insurance in California

Pledge Insurance Services specializes in contractors general liability insurance and other coverages vital to contractors: builders risk insurance, commercial auto coverage, insurance for tools and equipment.

• General Liability Insurance — protects from most claims arising from day-to-day activities and job-site accidents.
• Tools and Equipment — hand tools normally covered on a blanket basis (no item exceeding $500); Equipment Insurance covers larger tools (welders, generators, nail guns, etc.).
• Builders Risk — C.O.C. (Course of Construction) — physical damage insurance for property under construction; lenders require it before construction financing, often for remodels too.
• Workers' Compensation — required for employees; exposure also exists via subcontractors without their own coverage — insist subcontractors carry appropriate workers' comp.
• Business Auto Insurance — personal auto policies exclude commercial/business use; need a policy designed for that use.