The Right Insurance Wins You Bigger Jobs

The right insurance doesn't just protect your license — it wins you bigger jobs. Every commercial project, every government bid, and every GC prequalification form asks the same question: do you have adequate coverage? Contractors with proper limits, fast COI delivery, and strong bonding capacity win work that underinsured competitors never get to bid on.

New Decade Insurance has spent 20+ years helping general contractors across CA, TX, FL, and AZ maintain continuous, compliant coverage. We proactively manage renewals, monitor for gaps, and ensure your insurance meets the specific requirements of your state licensing board.

State Licensing Requirements

Coverage Every General Contractor Needs

Job Site Risks: The Numbers

OSHA's Fatal Four account for over 57% of construction worker deaths every year:

Your liability doesn't end when you hand over the keys. Completed Operations coverage protects you against defect claims for years after project completion. Statutes of repose: CA, TX, FL = 10 years. AZ = 8 years.

Win Bigger Jobs

Federal projects over $150,000 require bid bonds, performance bonds, 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 — with additional insured endorsements included. Under 3 years in business? We work with specialty markets that underwrite new venture contractors, so you can get properly insured from day one.

The Workers' Comp Audit Trap

If your subcontractor doesn't carry workers' comp, their labor costs get added to YOUR payroll at 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. New Decade helps you avoid this by tracking sub certificates throughout the year, setting accurate estimated payroll at inception, and preparing you for the audit process so there are no surprises. We also help you manage your experience modification rate (EMR) to keep premiums down over time.