Why GCs are different
Your risk is everyone’s risk, rolled up
A general contractor’s insurance isn’t just about your own crew’s work — it’s about everything that happens under your contract. When a sub’s employee gets hurt, when a trade damages the owner’s property, when a claim surfaces two years after closeout, the paper trail runs through you. That’s why owners demand more from GCs: higher limits, additional insured status on every sub’s policy, and proof you actually track it all.
We set GCs up with the endorsements contracts require, excess limits sized to the projects you bid, and a portal that tracks your subs’ certificates automatically — so the audit is a download, not a scramble. Here’s how tight sub compliance pays you back.
The GC coverage stack
- General Liability — $1M/$2M with completed operations, the owner’s baseline
- Excess & Umbrella — the $2M–$5M+ totals bigger contracts demand
- Workers’ Compensation — required for every CSLB licensee since 2026
- Commercial Auto — trucks and trailers at the $1M CSL owners expect
- License & project bonds — the $25k CSLB bond, plus bid/performance/payment surety
- Inland Marine — tools, equipment, and materials across every active site