California Contractor Insurance
California contractor insurance from a veteran-owned Florida agency licensed in California.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover in California
Construction contractors across trades — general contractors, electrical, plumbing, HVAC, roofing, concrete, landscaping, painting, and handyman operations.
What California requires
- Regulator: California Contractors State License Board (CSLB)
- Workers compensation threshold: 1 or more employees for construction; 1 or more for non-construction.
California climate and risk considerations
Workers comp required for one or more employees. Cal/OSHA enforcement at events is strict. AB-5 affects how event labor is classified. Earthquake is excluded from standard commercial property and must be insured separately.
- Earthquake
- Wildfire
- Drought
Common California venue requirements
Most California venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common California markets we issue certificates for:
- Los Angeles corporate, school, and county venues
- San Francisco Bay Area corporate, school, and county venues
- San Diego corporate, school, and county venues
- Sacramento corporate, school, and county venues
- Fresno corporate, school, and county venues
What affects cost in California
California requires workers compensation for construction at 1 or more employees and for non-construction at 1 or more. Premium depends on revenue, payroll, project mix, claims history, and tool inventory. Workers comp required for one or more employees. Cal/OSHA enforcement at events is strict. AB-5 affects how event labor is classified. Earthquake is excluded from standard commercial property and must be insured separately.