We specialize in contractors . We assist with obtaining the insurance contractors need to meet their business or contract needs. Our expertise and knowledge along with our carrier relationships allows us to offer our contractors that best coverage at affordable rates.

General Liability

General liability insurance for contractors covers a wide range of construction accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and licensing agencies.

General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments

Workers Compensation

Workers’ compensation insurance provides financial protections for contractors or workplace injuries. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your contractor license. It can help pay for medical bills and lost wages after an accident.

Workers Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability

Commercial Property

Commercial property insurance can help protect your general contractor business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Commercial Auto Insurance

Most states require commercial auto insurance for construction business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive your own truck to a job site.

Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement

Blanket Waiver of Subrogation

Acquire protection against damages if you’re partially responsible for a financial loss.

Blanket Additional Insured

Extended coverage for a third party that could be one-time or last the policy’s lifetime.

Primary & Non-Contributory Coverage

Designate your initial liability policy and any restrictions for the primary’s insurer.

Pollution Liability (Broadened Coverage for Covered Autos)

Attain bodily injury and property damage in the case of first or third-party contamination.

Contractor’s Tools & Equipment Coverage

Insure any tools and equipment under five years old that are lost, stolen, or damaged.

CA Contractor’s License Bonds

File and finance your contractor’s license bond for ethical and public assurances.

BearStar Insurance:

Insuring Your Business’s Necessary Assets


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They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
Natalie T.
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Gino is a great agent. He's taken the time to help me adjust my policy when I moved and needed additional coverage. He came back with the right answers within hours. I trust him.
Jon C.
I am thankful for the fine service that Gino and the firm has provided for me and my family. We have been customers for years now and he has never wavered as a source of support and information.
Jose C.
I've appreciated my dealings with your office for a long time.
Lawrence E.
I have been with Bearstar for seven years and never once had any problems. They always responded quickly and answered any questions I've had. They always advised me on what is the best coverages for my situation. I highly recommend Bearstar
J. R.
Excellent service and competitive rates I use them for all of my family’s insurance needs. I would highly recommend them.
Lloyd K.
I have been a client for years. I get personal service for the same rates I would get from the budget insurance companies out there where I would deal with a different person every time.
Kristian S.
They handle all of my insurance needs. They respond quickly and make sure I have the right coverages in place. With them business insurance is one less thing I have to worry about, allowing me to focus on running my business
Fairmont Flooring
Always there for us. A fantastic business partner. Highly recommended!
Junk King of Orange County
They take care of all of my business insurance needs. They stay on top of questions, renewals and certificates all issues immediately. I couldn't recommend them any higher - the best!
M Scott
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