If you’re a contractor, you’ve probably run into this situation: A client, builder, or property manager asks you for more insurance coverage than your policy provides. You call your insurance company… and they tell you your General Liability policy is capped at: $1,000,000 per occurrence $2,000,000 aggregate So what do you do? That’s where Excess […]
What Is Excess Insurance for Contractors? (Simple Guide for 2026) Read More »
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
Certificate Holder vs. Additional Insured: What Contractors Need to Know Read More »
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. This is the moment that catches nearly every new C-20 applicant off guard. Your contractor exam prep course covered
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
Whether you are applying for your D-49 Tree Service license for the first time or renewing a license you have held for years, there is one requirement standing between you and an active CSLB license: workers’ compensation insurance. As of January 2026, the CSLB is actively verifying workers’ compensation coverage for all D-49 Tree Service
