Life Insurance Built for California Contractors

Your family and mortgage don’t pause when the jobsite does. ContractorLIFE helps California contractors put term life in place for the people who depend on their income — personal coverage, separate from your GL and workers’ comp. California residents only.

Call 530.320.3617 Get a Free Quote

Get your ContractorLIFE quote

Share a few details and we’ll follow up with ContractorLIFE options for California contractor families. No obligation.

Instagram
This field is for validation purposes and should be left unchanged.
Name*
First Last
Email*
Phone*
ZIP*
Age band*
Coverage interest*
How did you hear about us?
SMS consent
- I agree to receive text messages about my quote. Msg & data rates may apply. Reply STOP to opt out.
CAPTCHA

We’ll reach out shortly. Or call 530.320.3617.

ContractorLIFE is The Contractors Resource Center’s life insurance program name, not an insurance carrier. Coverage depends on the policy issued; read your policy for exact terms and exclusions.

Why contractors trust The Contractors Resource Center

California DOI License #0D72064
Sacramento, CA · 15+ years helping residential contractors
Member & Insurance Advisor — CBIA · NARI

Why California contractors need life insurance

Most contractors don’t work behind a desk. The work is physical — ladders, roofs, equipment, long drives — and for many shops the owner is the business. If something unexpected happens, the financial impact on a contractor’s family can be immediate.

Family income and daily expenses when work stops
Mortgage / housing costs
Debts and obligations tied to trucks, tools, or the business
Final expenses
Inconsistent income makes planning ahead more important, not less

General liability and workers’ comp protect the California construction business (CSLB, jobs, employees). Life insurance protects you and your family — personal coverage for income replacement and obligations if you die. Many contractors carry both. One does not replace the other.

What ContractorLIFE can help protect

Depending on the policy, life insurance may help provide funds for:

Spouse and children’s living expenses
Mortgage or housing payments
Personal and business-related debts the family would still owe
Final expenses
Breathing room so the family isn’t forced into rushed decisions

Ask about living-benefit or disability-related policy features available on specific carriers — terms vary.

Term life vs whole life — a simple view for contractors

Term life — Coverage for a set period (for example while the kids are home, the mortgage is open, or the business is still growing). Often the straightforward fit when the goal is income protection for a defined window.
Whole / permanent — Lifelong coverage with different cost and cash-value tradeoffs; useful in some estate or permanent-need situations.

We usually start with term options sized to your family’s needs and budget, then discuss permanent coverage only if it fits your goals.

How getting a ContractorLIFE quote works

Share basics — Contact info plus ZIP, age band, and coverage interest — or call 530.320.3617.
We shop options — ContractorLIFE is not a carrier; we compare options suited to California residents and contractor households.
Clear next steps — You’ll hear what fits, what underwriting may ask, and how to bind if you move forward.

Myths to clear up:

Self-employed / sole proprietor — yes, you can apply.
Employer group life — often too little and usually ends when you leave the job; not a full plan for most contractor families.
Medical exam — some amounts and ages qualify for simplified or accelerated underwriting; others may need an exam — we’ll tell you upfront.

California Construction Insurance Specialist

Helping contractors start, manage and grow a successful construction business

Kevin Leipsic, The Contractors Resource Center

For 15+ years I’ve helped residential contractors with insurance options that fit real jobsites and real families. Life insurance is personal — I help California contractors see clear options for the people who depend on their income, alongside the business cover (GL, workers’ comp, ghost policies) many of you already use.

I also help contractor business owners look at life insurance options that protect their families and the business they’ve built — so the people who depend on you aren’t left uncovered if something happens.

Watch ContractorTV on YouTube and listen to the California Contractor Podcast on Spotify — I share how to build a stronger construction business.

Member & Insurance Advisor, California Building Industry Association (CBIA)
Member & Insurance Advisor, National Association of the Remodeling Industry (NARI)

Get a Free Quote · Book a 15-minute call · Call 530.320.3617

Frequently Asked Questions (FAQ)

1. Is ContractorLIFE only for California residents?

Yes. ContractorLIFE quotes are for California residents only.

2. Is life insurance the same as general liability or workers’ comp?

No. GL and workers’ comp are California business policies. Life insurance is personal/family coverage for income and obligations if you die. Many contractors need both.

3. Can self-employed contractors get life insurance?

Yes. Self-employed and sole-proprietor contractors can apply. Underwriting looks at your health, age, coverage amount, and other factors — not whether you have a W-2.

4. How much life insurance does a contractor need?

A common starting point is enough to cover debts (including the mortgage) plus several years of family income, then adjusted for savings, spouse income, and business obligations. We’ll help you size a range on the quote call — the form’s coverage-interest ranges are a starting point, not a recommendation.

5. Is the life insurance from my job enough?

Employer group life is often a flat amount (or a multiple of salary) and usually ends when you leave the job. Most contractor families need their own policy that stays with them.

6. Is ContractorLIFE an insurance company?

No. ContractorLIFE is The Contractors Resource Center’s life insurance program name, not a carrier. We compare options so you can see what fits.

7. Do I need a medical exam?

It depends on your age, health, and the amount of coverage. Some applications use simplified or accelerated underwriting; others require an exam. We’ll tell you what applies before you apply.