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Glacier Point Insurance - California Commercial Insurance Broker Glacier Point Insurance
California Licensed • Independent Broker

California Contractor Insurance & Risk Management

We structure insurance programs for California contractors—liability, workers' comp, auto, and bonds that meet contract specs. Certificates handled without the back-and-forth, and advocacy when claims happen.

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Coverage Options

California Contractor Insurance Coverages

Comprehensive protection from AM Best® A- or better carriers. Our independent brokers work exclusively for you to find the best coverage at competitive rates.

I need coverage for:
from $795/yr*

General Liability

Protect me from lawsuits

Pays others for injury or property damage your work causes. Not required, but most property owners insist on proof of coverage.

  • Bodily injury & property damage
  • Products & completed operations
  • Personal & advertising injury
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from $1,250/yr*

Workers' Compensation

Protect my team

Medical care & wage replacement for injured staff—plus lawsuit protection for you. Required once you have ANY employee.

  • Medical expenses coverage
  • Lost wage replacement
  • Employer liability protection
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from $980/yr*

Commercial Auto

Protect my vehicles

Liability & physical damage coverage when any business-use vehicle crashes. Satisfies state auto insurance requirements.

  • Liability coverage
  • Collision & comprehensive
  • Uninsured motorist protection
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$125 flat

Surety & License Bonds

Guarantee my work

Guarantees you'll finish the job or the surety pays. Includes CSLB license, bid, payment & performance bonds.

  • CSLB license bonds
  • Bid & performance bonds
  • Payment & maintenance bonds
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Additional Coverage

Need specialty coverage? Professional liability, cyber security, or umbrella policies available.

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*Starting prices based on low-risk artisan contractor with ≤ $250k payroll. Rates are subject to change and depend on insurance company underwriting, your ongoing business operations, and claims history.

CSLB Compliance Guide

California Insurance & Bond Requirements

Select your business entity type to view specific CSLB insurance and bonding requirements.

View the full CSLB insurance compliance guide

Legal Disclaimer

This information is for general guidance only and should not be considered legal advice. Insurance and bonding requirements may change, and specific circumstances may affect your obligations. Please consult with a qualified attorney or contact the CSLB directly for current requirements applicable to your situation.

Why Choose Glacier Point

Your Local Insurance Partner

As an independent, California-focused brokerage, we work exclusively for you—not the insurance companies. Our local expertise and personalized service make all the difference.

Independent Local Broker

Based in the Bay Area, we understand California's unique contractor challenges. As an independent broker, we're not tied to any single carrier—we work for you.

Expert Market Shopping

We shop multiple carriers to find your best rates, but our in-house expertise and ongoing partnership support is what truly differentiates us from online platforms.

On-Site Availability

Need us at your jobsite or office? We're available to meet in person, review your operations, and ensure your coverage fits your actual business needs.

Safety Consultants

Our team includes experienced safety consultants who help you implement programs that reduce claims, lower premiums, and keep your workers safe.

Claims Advocacy

When claims happen, we're on your side. We report losses, coordinate with adjusters, and fight for fair settlements—because we work for you, not the carrier.

Fast Certificate Issuance

Need a COI to start work? We issue certificates of insurance—typically within 1-2 business days after your policy is bound. No delays, no lost jobs, no hassle.

Ready to Get Started

Ready to secure your business?

Kick-off your quote with a licensed advisor.

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Frequently Asked Questions

California Contractor Insurance FAQs

Common questions about contractor insurance requirements and coverage options in California.

Is contractor liability insurance required in California?
Not state-mandated, but most GCs and homeowners will block you without at least $1 M in GL coverage.
How much does contractor insurance cost per month?
Small CA trade contractors typically pay $72–$125 per month for basic GL; rates vary by trade & payroll.
How quickly can I get a Certificate of Insurance (COI)?
We email a compliant COI—typically within a few hours during business days—after your policy is bound.
Do I need workers' comp if I have no employees?
Sole owners can file an exemption. Hire one W-2 employee and WC becomes mandatory.
What insurance does a general contractor need in California?
$1 M / $2 M GL, workers' comp, commercial auto, $25 K license bond, plus an umbrella for larger jobs.
Will my policy cover subcontractors?
Only if the sub is insured and names you as Additional Insured; otherwise their mistakes are excluded.
What does contractor general liability cover?
Third-party bodily injury, property damage, legal defence and completed-operations claims.
Are tools and equipment covered under GL?
No—use an Inland Marine policy to cover theft or damage to tools on and off site.
Can I pay workers' comp based on real-time payroll?
Yes—pay-as-you-go WC syncs to payroll so you pay only for actual labour each run.
How long is a quote valid in California?
Usually 30 days, but carriers can re-rate sooner; lock by paying the first installment.
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Last updated: January 7, 2026