GENERAL CONTRACTOR CONTRACTOR INSURANCE SAN DIEGO

Yes — and from multiple directions. The CSLB requires proof of insurance for license issuance and renewal. Every subcontractor you hire will require a COI before starting work. Project owners and lenders require GL certificates before construction begins. And practically speaking, a single property damage or bodily injury claim without GL coverage could end your business in California's active litigation environment.

In San Diego, GC and owner contracts commonly require $1M per occurrence / $2M aggregate for smaller residential projects, and $2M per occurrence / $4M aggregate for commercial work. Public agencies and large commercial owners often require a $5M+ umbrella on top of the base GL. Always review the specific contract insurance requirements before bidding — your broker can issue certificates matching the exact language required.

Yes — this is one of the most significant insurance risks general contractors face in California. Under California Labor Code, if a subcontractor you hire doesn't carry workers' compensation insurance and gets injured on your project, you as the GC may be held liable for their injuries. Always obtain a current COI from every sub before they start work and verify it hasn't lapsed.

Yes. NAVFAC Southwest and other military installations require contractors to carry specific insurance minimums — typically $1M–$5M GL, workers' comp, commercial auto, and often a performance and payment bond. Davis-Bacon wage requirements also affect workers' comp classification and payroll. A broker experienced with federal contracting is essential for NAVFAC work.

Work near the Pacific Coast in areas like La Jolla, Del Mar, and Coronado often triggers additional requirements: higher GL limits from property owners, potential pollution liability for marine-adjacent excavation, and Coastal Commission conditions that may affect operations. Property values also mean claims tend to run larger than inland.