Is Workers' Compensation required for contractors in California?

Yes. California law requires all employers with one or more employees to carry Workers' Compensation insurance. Sole proprietors with no employees may be exempt, but many general contractors require proof of coverage even from owner-operators.

How fast can I get a contractor insurance certificate in California?

CISA issues same-day certificates of insurance for most contractor policies. Most policies can be bound within 1-2 hours of your application. Call (209) 400-1710 for urgent certificates.

What insurance do I need to renew my CSLB license in California?

CSLB requires Workers' Compensation insurance (if you have employees) and a $15,000 contractor bond at minimum. CISA is CSLB-compliant and can provide the exact certificates required for your license renewal.

Can I get workers comp with a high EMR in California?

Yes. CISA works with specialty and surplus lines carriers who cover contractors with prior claims or Experience Modification Rates (EMR) above 1.0 that standard markets decline.

What trades does CISA insure in California?

CISA insures all construction trades including roofing, plumbing, electrical, HVAC, concrete, masonry, painting, landscaping, solar installation, framing, drywall, demolition, and general contracting across California.

How much does workers comp cost for contractors in California?

Workers' comp rates for California contractors vary by trade. Landscaping starts around $38/mo, plumbing around $47/mo, HVAC around $54/mo, electrical around $62/mo, and roofing around $89/mo. Call (209) 400-1710 for a free quote.

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CISA Insurance — Commercial Insurance Broker

Licensed commercial insurance broker specializing in Workers' Compensation, General Liability, and contractor insurance across California, Arkansas, New Jersey, and New York. We shop 40+ A-rated carriers to find you the best rate.

Call us: (209) 400-1710 — Mon–Fri 8am–6pm PST

California Coverage

Arkansas Coverage

California Trades We Cover

Cities We Serve in California

Workers' comp and contractor insurance available in Los Angeles, San Diego, San Francisco, San Jose, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Irvine, Chula Vista, Modesto, Fontana, Santa Ana, Fremont, Oxnard, Moreno Valley, Glendale, Huntington Beach, Santa Clarita, Garden Grove, Oceanside, Rancho Cucamonga, Corona, Lancaster, Salinas, Palmdale, and all California cities.

Cities We Serve in Arkansas

Workers' comp and contractor insurance available in Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, North Little Rock, Conway, Rogers, Bentonville, Pine Bluff, Hot Springs, Benton, Sherwood, Texarkana, Russellville, and all Arkansas cities.

Why CISA?

40+ A-rated carriers — we shop for the best rate
Average savings of $6,200/year vs. current policy
Same-day quotes and binding — certificates in 15 minutes
All CSLB contractor license classes covered (California)
ACLB-compliant certificates (Arkansas)
High-EMR, high-hazard, and previously declined risks accepted
One dedicated licensed specialist — not a call center
98% client renewal rate

Resources

Licensed Insurance Broker · Serving California, Arkansas, New Jersey & New York · cisa1.com · (209) 400-1710