April 2026

If you’re a California contractor doing under $500K a year and hiring help “as needed,” you’ve probably thought: “I don’t have employees… so I don’t need Workers’ Comp.” “I’ll just pay day labor cash.” “I’ll 1099 them and keep it simple.” You’re not alone—this is one of the most common ways small contractors operate. But […]

If you’re a contractor, you’ve probably gotten an email like this: “Hey, can you add us to your insurance?” Seems simple—but this is where a lot of confusion (and mistakes) happen. There’s a big difference between: Listing someone as a Certificate Holder Naming someone as an Additional Insured Understanding this can protect your business from