Question 1

Is Workers' Compensation required for contractors in California?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

Question 5

What trades does CISA insure in California?

Accepted Answer

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

Question 6

How much does workers comp cost for contractors in California?

Accepted Answer

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.