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General Contractor Insurance in California

Save up to 30% on business insurance
General contractor insurance
General contractor insurance - NEXT

General contractor insurance in California designed to protect your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to general contractor business in California so you are always protected against unpredictable events. The most common insurances packages bought by  general contractor business in California include:

  • General liability
  • Professional liability
  • Commercial auto
  • Tools & equipment
  • Commercial property
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Save up to 30% on general contractor business insurance in California

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

We specialize in providing the right type of general contractor insurance for small businesses in California

NEXT is made for entrepreneurs, hustlers and general contractor business owners in California who like to stay covered and save money.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance is included in most business insurance packages, including general contractor business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Professional Liability (e&o)

Professional Liability (e&o)

Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions or indemnity insurance) helps you defend yourself and your general contractor business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.
Professional Liability (e&o) can help you pay for:
Legal defense costs
Legal judgments
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Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Commercial auto insurance is essential if you have vehicles that are titled to your general contractor business that you or your employees drive. Your personal car insurance policy probably won’t be enough to cover your work-related driving accidents.
Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
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Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.
Tools & Equipment can help you pay for:
Protection for your gear and equipment
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance is one of the most common types of small business insurance general contractor owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does insurance cost

How much does general contractor insurance in California cost?

general contractor insurance costs vary based on the risks that your business faces, such as:

  • Where you work
  • The kind of work you do
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

general contractor business in California typically pays about $13 each month for a business insurance policy.

You can save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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How important is it for a general contractor in California to have business insurance?

We know building a small business is an investment. To protect that investment, general contractor businesses in California need insurance to avoid financial losses. Business insurance can protect your from:

  • Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
  • Damage to the physical items you need to do business.
  • Claims of work mistakes or negligence.
  • Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.

NEXT is dedicated to helping you find the affordable general contractor insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.

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Everything you want to know about Insurance

Frequently asked questions about general contractor business insurance

Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general contractor business insurance in California?
Yes, NEXT Insurance offers tailored general contractor business insurance in California.
Does NEXT Insurance offer Commercial Property coverage for general contractor business in California?
Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Tools & Equipment, Commercial Property coverage for general contractor business in California.
How does business insurance protect event planners?

Our event planner insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

One of your subcontractors accidentally cracks a large window at an event space. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A client slips and falls on the front steps when arriving at your office. Your general event planner liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes 

A client claims they had to pay extra catering fees because you added incorrect information to the service agreement. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Workplace injuries 

You throw out your lower back while helping to set up tables for a party and you have to take off two weeks during peak season to recover. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

Your car slides on a slippery road and hits a parked car. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

A tree falls over and damages the roof of your office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism. 

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Certificate of Insurance

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Get covered in just a few clicks and have your COI in hand. Get Instant Quote