At BearStar Insurance Services, we understand it can be tricky to figure out exactly what contractors insurance you need in Orange County. Whether you’re operating in Newport Beach, Irvine, Santa Ana, Anaheim or anywhere else in Orange County, we think it’s important to take the time to review your coverage to make sure you have all your bases covered, everything is up to date, and valid. That way, you’re prepared should any unexpected accidents or incidents arise. If you’re not certain or have questions regarding your contractors insurance in Orange County, feel free to reach out to one of our BearStar Insurance specialists. We’re here for you and happy to help.

The most important contractors insurance to have in Orange County

Workers’ Compensation Insurance

In California, if a contractor has one or more employees, they are required by law to carry workers’ compensation insurance, which covers medical bills for worker injury or illness and lost wages due an injury or accident. Your coverage must be continuous without fail or penalties and disciplinary action can be taken, including license suspension.

At BearStar Insurance Services, our contractor clients understand the importance of having the right contractors workers’ compensation insurance coverage. In turn, it gives their clients peace-of-mind knowing they won’t have to worry about being liable should an injury or accident occur.

All roofing contractors are required by law to either carry workers’ compensation insurance or have a valid Certification of Self-Insurance on file with CSLB, whether or not they have employees.

General Liability Insurance

Also known as business liability insurance, general liability insurance is not required by state law for contractors. But it’s still in a contractor’s best interest to do so, because contractors who don’t may find themselves losing business. Many commercial clients are requiring contractors to carry it as part of their work agreement, and contractors are required to inform clients if they don’t have the coverage.

For contractors, specialized contractor insurance is available. This insurance covers potential incidents specifically related to contracting, such as property damage employees caused.

Contractor’s Tools and Equipment Coverage

Another key type of insurance for contractors in Orange County is insurance that covers your valued tools and equipment. Something missing? Covered. Not only does this insurance pay for stolen tools and equipment from a job site, it also covers damage incurred by vandalism or work incidents.

Something damaged? Covered. Everything from your favorite toolbox and hand tools to power tools and heavy equipment, like excavators; it’s covered. Insure any tools and equipment that you’ve had 5 years or less that are lost, stolen, or damaged. However, it does not cover general wear and tear.

Be assured you have the right contractors insurance in Orange County

At BearStar Insurance Services, our products and services cater to the needs of contractors as well, including contractor-specific coverage options for commercial auto insurance, and surety bonds to guarantee bids or confirm the satisfactory completion of a project.

Leveraging over 100 years of experience, BearStar Insurance agents have a deep understanding of what California business owners need – and don’t need – when it comes to their insurance coverage. From general business and workers’ compensation to independent contractors and cybersecurity, we work with some of the best carriers in the industry to provide you with custom-fitted, comprehensive protection at the best possible price. We value the relationships we build with our clients; fill out this form to get a quote or call us today at 949-979-5251 to speak with your local agent.