March 2026

You’ve studied hard, passed your exam, and submitted your C-20 HVAC license application to the CSLB. You’re ready to work. Then the CSLB asks for proof of workers’ compensation insurance — and your application stops cold. Need a workers’ comp ghost policy quote for C-20 HVAC? Short form — then pick a 15-minute time. Long

If you’re a California contractor shopping for general liability (GL) insurance, you’ve probably seen this line in a quote: “Occurrence w/ 2 year Sunset Clause.” It looks harmless. It even sounds like it’s giving you “occurrence” coverage — the gold standard most contractors want. But that tiny “2 year Sunset Clause” can turn a seemingly