Every commercial project, government bid, and GC prequalification asks the same question: do you have adequate coverage? Contractors with the right limits, fast COIs, and strong bonding capacity win work that underinsured competitors never get to bid on.
If your subcontractor doesn't carry WC, their labor costs get added to YOUR payroll at year-end audit. A $200,000 payment to an uninsured sub, charged at construction class code rates, can generate a $20,000+ surprise bill you never saw coming. We help you avoid this by tracking sub certificates throughout the year, setting accurate estimated payroll at inception, and preparing you for the audit so there are no surprises. We also help manage your experience modification rate (EMR) to keep premiums down over time.
OSHA's Fatal Four account for over 57% of construction worker deaths every year — falls (36%), struck-by-object (10%), electrocution (9%), caught in/between (2%). Your liability doesn't end when you hand over the keys: completed-operations claims can land years after project completion.
Statutes of repose: CA, TX, FL = 10 years. AZ = 8 years.
Federal projects over $150,000 require bid, performance, and payment bonds under the Miller Act. Your bonding capacity determines the maximum project size you can bid on. We work with surety underwriters who help you build capacity incrementally as your track record grows.
Need a COI for prequalification? We deliver certificates the same day — additional-insured endorsements included. Under 3 years in business? We work with specialty markets that underwrite new ventures, so you can be properly insured from day one.
Active General Liability and Workers' Comp (if you have employees) plus a $25,000 contractor's bond. If GL or WC lapses, the CSLB is notified electronically and your license is suspended automatically. Working on a suspended license is a criminal offense in California.
Tell us your trade and your state. We'll quote a policy that meets the license-board minimum and the GC's prequal requirements — same day, every time.