Stay current on coverage requirements, legislative changes, and risk management strategies for California-licensed contractors.
Estimate-based installments or payroll-linked PayGo billing? How each works, what the annual premium audit looks like under both, and why PayGo doesn't require buying insurance from your payroll company.
Read Article →Wrap-ups (OCIP/CCIP) are standard on California commercial projects above $25M. Here's how wrap-ups differ from practice and project-specific GL, what your practice policy still needs, and how to segregate payroll without paying twice.
Read Article →WCIRB class 5552 rates run $30–$50 per $100 payroll — highest of any trade. Here's how X-Mod works for C-39 roofers, why it swings so hard, and 5 specific strategies to cut premium in 2026.
Read Article →Surplus lines, Chapter 7A WUI compliance, pollution liability, and higher GL limits — what fire-zone rebuild work in Palisades, Malibu, and Altadena demands from California contractors.
Read Article →A federal $468K wage theft verdict and the DOL's new joint employer rule are reshaping subcontractor liability for California contractors. AB 5 risk, EPLI coverage gaps, and what to document now.
Read Article →Rising premiums, carrier exits, and new telematics requirements are reshaping commercial auto coverage for California contractors. Here's what you need to know to stay covered and competitive.
Read Article →Recent legislative changes from Sacramento are tightening workers' comp enforcement, raising penalties for misclassification, and expanding coverage requirements. Here's what every CSLB-licensed contractor needs to know.
Read Article →Real premium ranges by trade, revenue, and risk factor — plus what drives GL costs up or down in California's high-value, high-litigation construction market.
Read Article →Many contractors confuse their CSLB license bond with general liability insurance. They're completely different — and you need both. Here's what each actually covers.
Read Article →What a COI shows, when you need one, what additional insured really means, and the common COI mistakes that kill deals or leave you exposed on the job site.
Read Article →Connect with a licensed broker who specializes in California contractor insurance. Get matched in minutes — no obligation.
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