General Contractor Insurance in California
With hazards like heavy equipment, loud noises, and uneven surfaces, a construction site can be a dangerous place. As a general contractor, you need to your business against all possible risks with the right insurance. General contractor insurance can protect you against a wide range of construction site liabilities, and against business-ending claims if someone if injured or harmed. General contractor insurance can protect you against risks such as:
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
- Commercial auto collisions
- Vandalism and theft
- Accusations of negligence
- Failure to complete a project
- Failure to use correct materials
- Construction
- Plumbing
- Carpentry
- Landscaping
- Painting
- Floor installation
- Pressure washing
- Masonry
- Heating and air installation
General Liability Insurance: General liability insurance will protect you from bodily injury and property damage coverage. This is the most common type of contractor coverage.
Commercial Auto Insurance: This is coverage for your vehicle. If you’re using your pickup truck for work-related purposes, you need to have a special policy for commercial use.
Commercial property insurance: Commercial property insurance protects commercial property from perils such as fire, theft and natural disaster.
Workers’ Compensation: This coverage is regulated by the state. If you run a business by yourself, you don’t necessarily need workers’ comp insurance. The coverage protects your workers from work-related injuries until they can get back to work.
Summary: As one of the nation’s leading insurance agencies, Modern Insurance Partners offers robust, unique general contractor insurance to meet your needs, and we’ll protect your business so you don’t have to.
What our clients are saying:
It has been an absolute pleasure working with Modern Ins Co. They plugged gaps in my coverage by increasing my property limits and adding theft coverage for my retail operation. I was able to use their online application wizard to simply the information gathering and quoting process. This really saved me a lot of time especially during the Covid crisis.
A G-T
After an initial free insurance analysis, Modern Insurance Partners found out that our contractor requirements were not being met and that we had GAPS in our general liability insurance. They showed us our GL was actually coded improperly, which affected their workers’ comp insurance, the property insurance, as well as our excess coverage.
So had anything happened as far as our products or employee injuries, it would have left us completely exposed. Many thanks to Rudy and the team at Modern Insurance Partners!!
So through some digging, Modern Insurance Partners helped me provide a written safety statement and a three point independent investigation. Modern also spoke to our lawyers to get a clarification letter regarding the land adjacent to their property, and then with their carrier communication, we were able to actually elevate all of the different property coverages so now the it is adequate for the true cost of the property. We really appreciated the thoroughness of Modern Insurance Partners!
R M
Before Modern Insurance Partners came through our door, our property coverage was limited to about a $100,000 on the building.
We were able to increase that to almost a million dollars of coverage based off what they discovered. There had been a false claim from some developers behind our property.
So through some digging, Modern Insurance Partners helped me provide a written safety statement and a three point independent investigation. Modern also spoke to our lawyers to get a clarification letter regarding the land adjacent to their property, and then with their carrier communication, we were able to actually elevate all of the different property coverages so now the it is adequate for the true cost of the property. We really appreciated the thoroughness of Modern Insurance Partners!
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