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General Contractor Insurance in San Diego, California

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

General contractor insurance in San Diego, CA tailored for your business

NEXT customizes insurance for small businesses in San Diego, California, including general contractors. We help business owners get covered in about 10 minutes online. And you’ll have 24/7 access to services. Insurance packages can be customized to include:

  • General liability
  • Contractors’ E&O
  • Commercial auto
  • Tools & equipment
  • Commercial property
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Save up to 30% on general contractor business insurance in San Diego, 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 San Diego

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 provides financial protection if an accident happens at your general contractor business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.

General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Contractors' E&o

Contractors' E&o

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you to defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of project cost overruns, it could help cover related expenses to defend yourself.
Contractors' E&o can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
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Commercial Auto

Commercial Auto

For business owners who own or drive vehicles

Commercial auto insurance helps to protect your [cob] business from unexpected expenses if you or your employees are involved in a driving-related accident. Whether you have a single work truck or a small fleet of delivery vehicles, a commercial car insurance policy helps to keep you on the road.

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. Tools and equipment insurance is available as an add-on to our general liability insurance.
Tools & Equipment can help you pay for:
Equipment Owned By You
Employee Tools and Clothing
Borrowed Equipment
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance helps to protect the items you need to run your general contractor business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.

Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does business insurance cost

How much should a general contractor in San Diego expect to pay for insurance?

Your general contractor insurance costs in San Diego, CA will be tailored to your business. Several factors will impact the price you pay, including:

  • Your claims history
  • How high you set your limits
  • Your work experience
  • How many people you employ

A general contractor in San Diego usually pays about $62.50 each month for a business insurance policy.

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

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Business insurance for general contractor in San Diego has never been easier

A general contractor business in San Diego is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can get:

  • Covered in less than 10 minutes
  • Access to your documents online whenever you need them
  • Insurance advisor support via phone, email and direct chat if you have questions

We know that there’s never enough time in a day for the self-employed. That’s why we work hard to make running your business that much easier.

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

Our contractor 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

Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage 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

You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.

Damage to your own property

A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as 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 and require help from our support team, please visit our online help center.