Local General Contractors Insurance in Irvine, Orange County | BearStar Insurance (2024)

General Liability

General liability insurance for contractors covers a wide range of construction accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and licensing agencies.

General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments

Workers Compensation

Workers’ compensation insurance provides financial protections for contractors or workplace injuries. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your contractor license. It can help pay for medical bills and lost wages after an accident.

Workers Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability

Commercial Property

Commercial property insurance can help protect your general contractor business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Commercial Auto Insurance

Most states require commercial auto insurance for construction business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive your own truck to a job site.

Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursem*nt

Blanket Waiver of Subrogation

Acquire protection against damages if you’re partially responsible for a financial loss.

Blanket Additional Insured

Extended coverage for a third party that could be one-time or last the policy’s lifetime.

Primary & Non-Contributory Coverage

Designate your initial liability policy and any restrictions for the primary’s insurer.

Pollution Liability (Broadened Coverage for Covered Autos)

Attain bodily injury and property damage in the case of first or third-party contamination.

Contractor’s Tools & Equipment Coverage

Insure any tools and equipment under five years old that are lost, stolen, or damaged.

CA Contractor’s License Bonds

File and finance your contractor’s license bond for ethical and public assurances.