Bay Area construction insurance

Builder’s Risk Insurance is critical for protecting construction projects throughout the Bay Area. This specialized coverage helps safeguard buildings under construction from risks like fire, theft, vandalism, and severe weather. With increased wildfire and earthquake exposure in Northern California, having the right builder’s risk policy ensures your project stays protected from costly delays and damage. It also helps cover soft costs, such as permits and loan interest, helping contractors stay on schedule and budget. 

Protect your tools and equipment from theft, damage, or loss with Contractor Equipment Insurance—essential for construction professionals working in San Francisco, Oakland, Fremont, and surrounding areas. This policy covers tools on the jobsite, in storage, or during transport. With rising equipment theft in the Bay Area, having this insurance means you can quickly replace essential gear and avoid project delays or unexpected expenses. 

If your contracting business uses trucks or vans to transport tools, materials, or crews, Commercial Auto Insurance is a must. Personal auto insurance won’t cover business-related driving. A commercial policy provides protection against accidents, liability claims, and vehicle damage—especially important in the Bay Area, where traffic congestion and accident rates are high. Protect your business vehicles and stay compliant with California commercial auto requirements.

Workers’ Compensation Insurance is legally required for most contractors in California, including many solo operators. It covers employee injuries, medical expenses, and lost wages while protecting your business from lawsuits and regulatory penalties. With increased enforcement in cities like San Francisco and Oakland, Bay Area contractors need active workers’ comp coverage to maintain their licenses and operate legally. Don’t risk fines or jobsite shutdowns—stay protected and compliant.