BearStar Insurance Services helps California general contractors and specialty trades review coverage for their jobs, crews, vehicles, tools, and contract requirements. We compare available insurance markets and help you identify the limits and endorsements a project owner or general contractor requests.
Depending on your work, the review can include general liability, workers’ compensation, commercial auto, tools and equipment, builders risk, professional or pollution liability, and commercial umbrella coverage. We also help with contractor license, bid, performance, and payment bond needs. Coverage and bond availability depend on underwriting, contract terms, and the insurer or surety.
Bring us your current policies, trade and payroll details, vehicle and equipment schedule, and any contract or certificate wording. We can review additional insured, primary and noncontributory, and waiver of subrogation requests before a job starts. Certificates and endorsements are subject to policy terms and carrier approval.
For contractor insurance in Washington or Oregon, see our Washington and Oregon contractor page and connect with Jesus Galvan. For California, request a coverage review from the BearStar team.
General liability insurance
We review liability limits, completed operations, and the additional insured, primary and noncontributory, or waiver of subrogation wording requested in your contracts. Available coverage and endorsements depend on the policy and insurer.
Workers’ compensation
California employers, including contractors with one employee, must carry workers’ compensation. Certain CSLB license classifications also require coverage even without employees. We can review payroll, classifications, and available insurance options; confirm your current licensing requirements with the California Contractors State License Board.
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Contractor insurance resources
Read more about certificates, contract requirements, subcontractor risk, and policy renewals in our business insurance articles.