Helpful tips and articles are posted here for your to learn more about resources available to you
If you’re getting your California contractor license—or renewing it—you’re going to hear the word “bond” a lot. And if you’re like most contractors, your first question is probably: “What exactly is a Contractor Bond… and why do I need one?” The problem is that most explanations online are filled with insurance jargon that doesn’t actually […]
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 […]
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 […]
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 […]
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