The GC needs your certificate today.We have got you.
General liability, workers comp, the CSLB bond, commercial auto, tools, and builders risk. We get certificates out fast, help keep your license clean, and explain it all in your language.
- Same-day certificates
- CSLB bond and workers comp
- All trades welcome
- English and Vietnamese
We know what slows a job down
The certificate is due now
A general contractor or property owner needs your certificate and the right additional-insured endorsement before you can start. We turn certificates around fast on active policies.
Compliance keeps changing
The CSLB bond, workers comp rules, and the 2028 deadline are easy to miss. We track what your license needs so it does not lapse.
One carrier ran out of options
Captive agents can offer only one company. When a carrier says no or does not renew, an independent broker can shop the whole market.
Coverage built for the trades
One broker for everything your business needs.
General liability
The coverage general contractors and property owners require before you bid or break ground.
Workers compensation
Required in California for most trades, and for some with no employees at all. We help you stay compliant and ready for audit.
CSLB contractor bond
The $25,000 license bond the state requires to keep your license active, plus the LLC employee bond when you need it.
Commercial auto
Your work trucks and vehicles, with the limits your contracts call for.
Tools and equipment
Inland marine coverage for the tools and equipment that auto and liability policies leave out.
Builders risk
Course-of-construction coverage for the project itself, often required before a lender releases funds.
We help keep your license clean
California keeps adding rules. We keep track so you can keep working.
$25,000 CSLB bond
Required to issue, renew, or reactivate your license. We place it and bundle it with your other coverage.
Workers comp by 2028
California is expanding the workers comp requirement to all licensed contractors by 2028. We help you get ahead of it.
Certificates in hours
Need a certificate or an additional-insured endorsement for a job today? On an active policy, we turn it around the same day.
Trades we serve
General building and the specialty trades.
- General building (B)
- Electrical (C-10)
- Roofing (C-39)
- Concrete (C-8)
- HVAC (C-20)
- Plumbing (C-36)
- Painting (C-33)
- Landscaping (C-27)
- Flooring (C-15)
- and more
Areas we serve
How it works
- 1
Send us your requirements
Your trade, your payroll, your trucks and tools, and your GC's insurance requirements. In English or Vietnamese.
- 2
We shop and explain
We compare carriers, find the fit, and walk you through the coverage and cost in plain language before you commit.
- 3
You stay covered and keep working
We issue certificates fast, track renewals so your license does not lapse, and stand with you at audit and claim time.
Common questions
Do I need workers compensation if I have no employees?
In California, several trades must carry workers comp even with no employees, including roofing, concrete, and HVAC, and the requirement expands to all licensed contractors by 2028. We help you confirm what your license needs.
What is the $25,000 contractor bond?
It is the CSLB license bond California requires to keep your license active. The amount rose to $25,000 in 2023. We place it and can bundle it with your liability and workers comp.
Can you get me a certificate of insurance today?
On an active policy, we turn certificates and additional-insured endorsements around the same day, often within a few hours.
What is an additional insured endorsement?
It is an addition to your policy that names a general contractor or property owner as protected under your coverage for a job. We add the exact endorsement your contract asks for.
How much does contractor insurance cost?
It depends on your trade, your payroll, and the coverage your contracts require. We shop several carriers and explain the options so you can choose. Ask us for a free quote.
Let us handle the insurance
Get a free quote, or send us your GC's insurance requirements and we will tell you exactly what you need.
(714) 421-4658 · info@doneforyouins.com