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CISA Insurance
California Contractor Insurance Specialist

California Contractor Insurance
CSLB-Ready. Same-Day COI.

Workers' Comp, General Liability, Commercial Auto, and more — for every CSLB license class from General B to specialty C trades. We place coverage the same day, including hard-to-insure contractors other brokers turn away. Get your free quote in 15 minutes.

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All CSLB License Classes
High-Hazard & High-EMR OK

Every CSLB Trade. Every License Class.

From a solo B-license GC to a 50-person C-39 roofing crew — we insure every California contractor license type, including the high-hazard trades other brokers decline.

General Contractors (B License)
Roofing (C-39)
Electrical (C-10)
Plumbing (C-36)
HVAC (C-20)
Framing & Rough Carpentry
Concrete & Masonry
Grading & Excavation
Painting (C-33)
Drywall (C-9)
Landscaping (C-27)
Solar Installation (C-46)

Every Coverage California Contractors Need

Workers' Compensation

California law requires WC for every contractor with employees. We find competitive rates even for high-hazard trades and elevated EMRs — and bind same-day.

General Liability

Protects against third-party bodily injury, property damage, and completed operations claims. Most GCs require $1M–$2M per occurrence. We tailor limits to your contracts.

Commercial Auto

Covers your trucks, vans, and work vehicles — whether you own one pickup or a full fleet. We write scheduled and non-owned auto for contractors across California.

Inland Marine / Tools & Equipment

Your tools walk off job sites. Your equipment breaks down mid-project. Inland marine covers your gear anywhere in California, in transit or on site.

Commercial Umbrella

Adds $1M–$5M+ of excess liability above your GL and auto limits. Often required by general contractors before they'll let you on the job.

Contractors' Pollution Liability

Standard GL excludes pollution claims. If you do HVAC, excavation, demo, or hazmat work, CPL is essential — and we place it even for high-hazard trades.

Frequently Asked Questions

Do California contractors need a bond AND insurance?

Yes — CSLB requires licensed contractors to maintain a $25,000 contractor's license bond, plus Workers' Comp (if you have employees) and General Liability. Gaps in any of these put your license at risk. We help you secure all three in a single appointment.

I'm a subcontractor — do I need my own GL policy?

Yes, and most GCs won't let you on site without it. General contractors typically require subs to carry their own GL policy with the GC named as additional insured. We issue ACORD certificates with AI endorsements the same day you bind — so you're never held off a job.

Can I get coverage with a high experience mod?

Yes. A high EMR doesn't mean you're uninsurable — it means you need a specialist who knows the surplus lines and State Fund markets. We regularly place Workers' Comp for California contractors with EMRs above 1.5 that standard carriers won't touch.

How do I get a certificate of insurance quickly?

Once your policy is bound, we issue your COI — including any additional insured, waiver of subrogation, or primary and non-contributory endorsements your GC requires — the same business day. Most certificates are delivered within the hour.

Serving All of California

Contractor Insurance in California — Every City, Every County

CISA is licensed to place commercial insurance across all of California. Whether you're in a major metro or a smaller market, we have carriers and programs built for your area.

Los Angeles
San Diego
San Jose
San Francisco
Fresno
Sacramento
Long Beach
Oakland
Bakersfield
Anaheim
Riverside
Stockton
Irvine
Chula Vista
Modesto
Fontana
Santa Ana
Fremont
Oxnard
Moreno Valley
Glendale
Huntington Beach
Santa Clarita
Garden Grove
Oceanside
Rancho Cucamonga
Corona
Lancaster
Salinas
Palmdale
Hayward
Pomona
Escondido
Sunnyvale
Torrance
Pasadena
Orange
Fullerton
Visalia
El Monte
Roseville
Concord
Thousand Oaks
Simi Valley
Santa Rosa
Vallejo
Victorville
El Cajon
Berkeley
Petaluma
Downey
Costa Mesa
Inglewood
Norwalk
West Covina
Murrieta
Burbank
Antioch
Temecula
Richmond
Clovis
Daly City
Santa Clara
Santa Maria
Ventura
Rialto
San Bernardino
Compton
Jurupa Valley
El Paso de Robles
Fairfield
Carlsbad
Clearfield
Vacaville
Alhambra
Westminster
Odessa
Menifee
West Jordan
Clovis
Hawthorne
Citrus Heights
Elk Grove
Hemet
Chico
Lake Forest
Tuscaloosa
Upland
Whittier
Lakewood
San Leandro
Chino
Newport Beach
Redding
Broken Arrow
Davie
Jurupa Valley
San Mateo
Hesperia
Leona Valley
Livermore
Tracy
Indio
San Marcos
Mission Viejo
Sparks
Surprise
Napa
Tustin
Buena Park
Santee
Folsom
Hawthorne
Inglewood
Redlands
Merced
Manteca
Turlock
Perris
Yuba City
Colton
El Cajon
Yucaipa
Lake Elsinore
Porterville
National City
La Mesa
Lodi
Longview
Madera
Carson
Vista
Daly City
Santa Monica
Rialto
Baldwin Park
Hawthorne
Lynwood
Compton
Pico Rivera
All 58 Counties
Licensed statewide in California
40+ Carriers
Admitted & surplus lines markets
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CISA Insurance

Commercial insurance for contractors, manufacturers, and trades across California & Arkansas. 40+ A-rated carriers — shopped by an independent agent.

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