Insurance for California Contractors
The Contractors Resource Center helps residential contractors protect the business and stay compliant. Compare contractor-focused programs for California contractors — general liability, workers’ compensation (including ghost policies), and life insurance. Contractor bonds are available in every U.S. state.
Ghost policies for California contractors with no employees
Need workers’ comp proof for the CSLB or a job — but you have no employees and no payroll? A ghost policy is a minimum California workers’ compensation policy for owner-operators. ContractorGHOST is a Contractors Resource Center™ program with same-day certificate once your policy starts and CSLB filing support.
No payroll. No employees. No hassle.
ContractorGL — general liability for California residential contractors
One claim can threaten years of work. ContractorGL is built for how residential contractors actually operate. We compare carriers so California contractors can get coverage that fits the trade and the contract — with a same-day certificate once the policy starts.
A Contractors Resource Center™ Program
Workers’ compensation for California contractors
Full California workers’ compensation for contractors with employees — with options like pay-as-you-go billing and access to workplace safety programs. Available to California contractors only.
No employees? You may only need a ghost policy — see Ghost policies above or get a WC quote and we’ll point you to the right path.
Get listed free in Find a Contractor
Licensed and insured? Claim your free Verified listing so homeowners can see you’re the real deal.
- Free, with no strings. Never tied to buying anything.
- Your Verified badge shows homeowners you’re licensed and insured
- Get listed early, before the public directory opens in 2027
You’ll need your contractor license number and your general liability certificate of insurance from any insurance company.
Ghost policy pages by California license class
If your CSLB classification often needs workers’ comp proof even with no employees, start with your trade:
Contractor bonds in every state
Fast. Simple. Trusted.
License bonds, bid bonds, performance and payment bonds, and other bond types — for California and every U.S. state. Apply online for competitive rates and guidance from a licensed broker. California contractors also get support with electronic CSLB filing where it applies.
ContractorLIFE — life insurance for California contractors
ContractorLIFE helps California contractors protect family income, mortgage, and obligations with term life options. This is personal/family coverage — separate from your GL and workers’ comp. California residents only.
Frequently asked questions
1. Who can buy insurance through CRC?
General liability, workers’ compensation (including ghost policies), and ContractorLIFE are for California contractors / California residents as noted on each page. Bonds are available in every U.S. state.
2. What is a ghost policy?
A ghost policy is a minimum California workers’ compensation policy for owner-operators with no employees and no payroll. It can provide the certificate clients, GCs, or the CSLB may require. Start at our ghost policy page.
3. What’s the difference between the WC quote page and a ghost policy?
Use the workers’ comp quote if you have employees or aren’t sure. Use the ghost policy path if you work alone with no payroll. We’ll help you confirm the right fit.
4. Are contractor bonds only for California?
No. CRC helps with contractor bonds nationwide. California license bonds and CSLB filing support are available when you need them; other states and bond types are quoted on our bonds page.
5. Is life insurance part of my business GL or workers’ comp?
No. ContractorLIFE is personal/family term life coverage for California residents, separate from business GL and workers’ comp. See life insurance.
6. Who is behind CRC?
The Contractors Resource Center is based in Sacramento, CA, led by licensed broker Kevin Leipsic, CA DOI License #0D72064, with 15+ years helping residential contractors. Members of NARI and CBIA.
Questions about coverage or bonds?
Tell us what you need — insurance, bonds, or licensing questions — and we’ll point you to the right next step. Sacramento, CA · CA DOI License #0D72064.