Contractor Insurance for California, Nevada and Arizona
General liability, workers' comp, bonds and crew benefits from one agency that shops 300+ carriers for you.
- 60+ years in business
- 300+ carriers
- Insurance, bonds and benefits
Free review
Are you overpaying for workers' comp?
Workers' comp is often a contractor's biggest insurance cost, and California rates are rising again in 2026. A wrong class code, an outdated experience mod or an overestimated payroll can add thousands a year without anyone noticing. Send us your policy and last audit, and a licensed agent will review your class codes, experience mod, payroll estimates and options from multiple carriers. It's free, with no obligation to switch.
Coverage we place for contractors
One team handles your full program, so policies line up and renewals don't fall through the cracks.
General liability
Injury or property damage to others from your work, including completed operations.
Workers' compensation
Medical bills and lost wages for injured employees.
Commercial auto
Your trucks, plus employees' personal vehicles used for work.
Contractor's equipment
Tools and equipment on the job, in transit or in storage.
Builder's risk
The structure while it's being built or renovated.
Umbrella and excess
Higher limits that general contractors and project owners require.
Pollution liability
Mold, asbestos, fuel and runoff claims excluded from general liability.
Trades we insure
Don't see yours? Call us. With 300+ carriers, we can usually find a market.
- Roofing
- Concrete & masonry
- Electrical
- Plumbing & HVAC
- Framing & carpentry
- Solar
- Grading & paving
- Painting & drywall
- Landscaping
Where we work
California
High Desert and Inland Empire to Los Angeles, San Diego and the Central Valley. CSLB certificates and bonds on file.
Nevada
Las Vegas, Henderson, Reno and beyond. Nevada State Contractors Board and large-project requirements.
Arizona
Phoenix, Tucson and the East Valley. Registrar of Contractors bond requirements.
California · January 1, 2028
Every California contractor will need workers' comp by 2028
Even with no employees. If you file an exemption today, we'll price coverage now so there's no surprise at your next license renewal.
Questions contractors ask
How much does contractor insurance cost?
It depends on your trade, payroll, revenue, location and claims history. Workers' comp is priced per $100 of payroll by class code. The fastest way to know is a quote: we compare multiple carriers at once.
Is workers' comp required for contractors?
In California, Nevada and Arizona, businesses with employees must carry workers' comp. In California, all licensed contractors will need it starting January 1, 2028, whether or not they have employees.
What's the difference between insurance and a contractor bond?
Insurance protects your business. A bond protects your customer or the state if you don't meet your obligations. Most licensed contractors need both, and we provide both.
Can you insure roofers and other high-risk trades?
Yes. Roofing, framing and other higher-risk trades often get limited options from standard carriers. We work with specialty markets that write these trades.
How fast can I get a certificate of insurance?
Once your policy is in force, usually the same business day. Call your account manager or email us.
I just got my contractor's license. Where do I start?
Most new contractors need general liability, a license bond and, if they have employees, workers' comp. We'll set up all three and tell you what your first projects will likely require.
Get your contractor insurance quote
A licensed agent will call you within one business day.
More about contractor insurance
Contractor Insurance
A large, uninsured damages claim is every contractor’s worst nightmare. Whether it be a serious car accident on the way to a job or a hefty commercial liability claim, a large payout made from a contractor’s pocket can spell financial ruin. However, if adequately insured, a large claim doesn’t need to sound the death knell for your business. With contractor’s insurance, your business can quickly and easily settle such claims and get back to business as usual.
General Liability Insurance
General liability insurance is the most common type of insurance that contractors take out. Most general liability policies offer coverage for injuries and property damage sustained by clients during contracting works, but many also offer protection against defamation claims (for example, in advertising) and product liability.
This type of insurance is mandated by law for contractors in many states, but even if you live in a state where it is not required, you might find that you’ll need it anyway. Many clients often require contractors to have liability insurance before allowing them to commence jobs.
Commercial Auto Insurance
Like all drivers, contractors driving to, from, and around worksites are at risk of accidents that could result in costly injury or property damage claims. Most of us are familiar with the variety of auto insurance products available on the consumer market, but in all states, contractors must take out special commercial auto insurance.
In California, for example, all vehicles owned by a business must be covered by a commercial auto insurance policy with a minimum liability limit of $5,000 for property damage, $15,000 for bodily injury to one person, and $30,000 for bodily injury to more than one person. Personal cars driven for work purposes don’t have to be covered by commercial auto insurance, but ‘hired and non-owned’ auto insurance is highly recommended, as most personal auto insurance policies don’t cover business use.
Workers’ Compensation Insurance
If your contracting business has employees, workers’ compensation is critical to ensure your staff is covered in the event of an accident that occurs on the job. Without workers’ compensation insurance, your business could be up for tens of thousands of dollars in medical bills, disability income, and legal fees.
Workers’ compensation cover is mandated by law in almost all states, even if your business only has one employee. In California, for example, all employers – even those not headquartered in the state – must take out a policy that covers medical expenses, disability benefits, vocational training (in the event an injured employee cannot return to the same workplace), and death benefits.
No two contracting businesses are exactly the same, and your insurance needs are just as unique. To keep your business safe from whatever life might throw your way, it’s essential that you thoroughly understand your risks and how to protect against them. For tailored insurance solutions that fit your specific business needs, call ISU-ARMAC Insurance Services today. Our experienced staff will help you find the best insurance coverage on the market at competitive rates.