1. Study up your contractors license number at www.cslb.ca.gov
Write down your license number, the year you were licensed and your license classification(s).

2. Design up a list of ALL of your operations (i.e, plumbing, electrical, painting, remodeling, home building, etc)

3. Settle what percentage of your work is residential, commercial, and industrial.

4. Decide what percentage of your work is modern construction versus existing construction (including remodels and room additions)

5. Resolve your estimate for detestable sales, payroll, and subcosts for the upcoming year.

6. If you are a larger contractor with novel insurance AND paying more than $7500 per year in liability premium, you will need to accumulate loss runs from your prior agent.

7. Call an experienced insurance. broker specializing in California construction contractors insurance. Call 888-900-9989, Ask for John Glover and seek information from a free, no obligation quote.

Tips and Warnings

  • The best rates often go to owner only operations doing painting, electrical, and remodeling/handyman work.
  • Most insurance companies offer a payment view. Some brokers also assume credit card payments to wait on spread out the cost of the insurance.
  • Always call your insurance agent to discuss the insurance requirements of one of your potential customers BEFORE you label the contract. If your customer has stringent requirements, your new policy may not be sufficient.
  • Find a broker who specializes in construction contractors insurance. Honest as contractors can specialize in their trade, brokers who specialize in construction insurance often gain the best deals and give better advice.
  • Remember that General Liability does not hide your tools.
  • If you already have insurance, order that your novel broker send you your renewal proposals at least 30 days before your policy expires. This will give you more time to shop the market to explore if you are level-headed getting a competitive quote.
  • Not all liability policies are alike. Cheaper policies may have some considerable coverages stripped out. Ask your agent for details.
  • Beware of high deductibles. Higher deductibles can lower the premium costs but if you can’t afford the deductible when a claim hits, you may be in peril.
  • Low cost carriers do not want to insure any contractor who has worked on a novel home tract subdivision in the last 10 years.

1. Perceive up your contractors license number at www.cslb.ca.gov
Write down your license number, the year you were licensed and your license classification(s).

2. Plan up a list of ALL of your operations (i.e, plumbing, electrical, painting, remodeling, home building, etc)

3. Decide what percentage of your work is residential, commercial, and industrial.

4. Resolve what percentage of your work is recent construction versus existing construction (including remodels and room additions)

5. Choose your estimate for faulty sales, payroll, and subcosts for the upcoming year.

6. If you are a larger contractor with modern insurance AND paying more than $7500 per year in liability premium, you will need to bag loss runs from your prior agent.

7. Call an experienced insurance. broker specializing in California construction contractors insurance. Call 888-900-9989, Ask for John Glover and expect a free, no obligation quote.

Tips and Warnings

  • The best rates often go to owner only operations doing painting, electrical, and remodeling/handyman work.
  • Most insurance companies offer a payment notion. Some brokers also win credit card payments to benefit spread out the cost of the insurance.
  • Always call your insurance agent to discuss the insurance requirements of one of your potential customers BEFORE you tag the contract. If your customer has stringent requirements, your modern policy may not be sufficient.
  • Find a broker who specializes in construction contractors insurance. Objective as contractors can specialize in their trade, brokers who specialize in construction insurance often gather the best deals and give better advice.
  • Remember that General Liability does not hide your tools.
  • If you already have insurance, speak that your modern broker send you your renewal proposals at least 30 days before your policy expires. This will give you more time to shop the market to scrutinize if you are quiet getting a competitive quote.
  • Not all liability policies are alike. Cheaper policies may have some significant coverages stripped out. Ask your agent for details.
  • Beware of high deductibles. Higher deductibles can lower the premium costs but if you can’t afford the deductible when a claim hits, you may be in difficulty.
  • Low cost carriers do not want to insure any contractor who has worked on a original home tract subdivision in the last 10 years.