Terms of Service

1. Nature of Service

Our service connects California-licensed contractors with licensed insurance professionals who can provide quotes and coverage. By using this site, you acknowledge that no insurance coverage is provided or implied by CaliforniaContractorInsurance.com. All coverage decisions are made by licensed insurers and their agents, not by this site.

2. CSLB Bond Clarification

California Contractors State License Board (CSLB) contractor license bonds are surety products and are entirely separate from insurance coverage. Information about CSLB bonds provided on this site is for general reference and educational purposes only.

We may refer users to licensed bond specialists, but we are not a licensed surety bond agent and do not issue or guarantee bonds. For official, current CSLB bonding requirements, always verify directly at cslb.ca.gov.

3. No Insurance Advice

All content on CaliforniaContractorInsurance.com is educational and general in nature. Nothing on this site constitutes insurance advice, legal advice, or a recommendation of any specific insurance product, policy, or provider.

Always consult a licensed California insurance professional for advice specific to your business, trade, risk profile, and coverage needs. Coverage requirements vary by trade, project type, and client contract.

4. Quote Requests

Submitting a quote request through this site does not guarantee:

• That you will receive insurance coverage
• A specific price or premium
• That a broker or agent will contact you
• A specific response time from matched professionals

All coverage is subject to underwriting review and approval by licensed insurers. Response times from matched brokers and agents vary based on availability, market conditions, and your business profile.

5. Consent to Contact

By submitting a quote request through this site, you expressly consent to be contacted by licensed insurance professionals via phone, email, or text message regarding your insurance needs. Contact may be made using automated dialing technology, pre-recorded messages, or other means permitted by applicable law.

6. Accuracy of Information

We strive to keep all information on this site current and accurate, but we make no representations or warranties regarding the completeness, accuracy, or timeliness of any content. California insurance regulations, CSLB requirements, minimum coverage limits, and industry standards change regularly.

Always verify all requirements, rates, and regulatory obligations with a licensed insurance professional and by consulting official sources including cslb.ca.gov and the California Department of Insurance at insurance.ca.gov.

7. Limitation of Liability

This site and all content is provided "as is" without warranty of any kind, express or implied. To the fullest extent permitted by applicable law, CaliforniaContractorInsurance.com shall not be liable for:

• Any decisions made in reliance on information published on this site
• The conduct, representations, or actions of any insurance broker, agent, or insurer we refer you to
• Any failure to obtain insurance coverage or a quote
• Any indirect, incidental, special, or consequential damages arising from your use of this site

Our total liability to you for any claim arising out of your use of this site shall not exceed zero dollars, as we do not charge for use of this referral service.

8. Intellectual Property

All content on CaliforniaContractorInsurance.com — including text, graphics, logos, page layouts, and structural design — is the property of CaliforniaContractorInsurance.com and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written permission from CaliforniaContractorInsurance.com.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Any dispute arising from or relating to your use of this site or these terms shall be resolved exclusively in the state or federal courts located in California. By using this site, you consent to the personal jurisdiction of such courts.

10. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes become effective upon posting to this page. Your continued use of this site after any changes constitutes your acceptance of the updated terms.

We encourage you to review this page periodically to stay informed of any updates.

11. Contact

For legal inquiries or questions about these Terms of Service, contact us at:

legal@californiacontractorinsurance.com

12. Effective Date

Effective Date: January 1, 2026

Use of this site on or after this date constitutes agreement to these terms.