BearStar Insurance Services helps general contractors and specialty trades review insurance and bond needs for their operations, crews, vehicles, tools, and projects in states where we are licensed. We start with the work you perform and the requirements in your contracts, then compare available coverage options and identify gaps before they delay a bid or job.
Who we help
We work with general contractors, subcontractors, and trade businesses on residential and commercial projects. The right program depends on your trade, project size, payroll, subcontractor use, vehicles, equipment, and the terms required by owners and general contractors.
Contractor insurance and bond services
Coverage needs vary by trade, state, employees, vehicles, and contract. Explore the core options below, then ask us to review your specific work and requirements.
01 / LIABILITY
General Liability
Third-party injury and property damage; completed operations; contract-required limits and endorsements.
02 / CREWS
Workers’ Compensation
Employee injury benefits; employer’s liability; state and licensing requirements.
03 / VEHICLES
Commercial Auto
Business vehicle liability and damage; hired and non-owned auto when appropriate.
04 / GEAR
Tools & Equipment
Owned or rented tools; mobile equipment; property in transit or at a jobsite.
05 / PROJECTS
Builders Risk & Property
Materials and structures during construction; business property and project exposures.
06 / CONTRACTS
Surety Bonds
License and permit bonds; bid, performance, and payment bonds when required.
Depending on the scope of work, we can also review professional, pollution, cyber, and umbrella liability options. Coverage, exclusions, limits, and availability depend on the insurer and policy.
Contract reviews and certificates
Send us your current policies and the insurance section of a contract. We can review requested limits, additional insured wording, primary and noncontributory status, waivers of subrogation, and certificate needs. Endorsements and certificates depend on insurer approval and the actual policy terms.
Contractor guidance by state
Requirements and available markets differ by state. Explore our California contractor insurance services or the Washington and Oregon contractor page with Jesus Galvan. We can discuss other states where BearStar and its affiliates are licensed.
Request a contractor insurance review
Tell us your state, trade, current policies, and any contract, bond, or certificate deadlines. A BearStar team member will review the next steps with you.
