Helpful tips and articles are posted here for your to learn more about resources available to you
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 […]
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 […]
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