Contractor Insurance
Construction Insurance That Keeps Your Business on Site, Not on Hold
Serving General Contractors, Subcontractors & Tradespeople Across Los Angeles
Contractors in California face some of the most demanding insurance requirements in the country. Whether you're a general contractor in Culver City, a plumber in Santa Monica, or a remodeler in the Valley, you need the right mix of coverage to stay licensed, win bids, and protect your team and tools. That’s where we come in.
At Derian Insurance Agency, we specialize in contractors insurance in Los Angeles, with custom-built policies that help you meet legal requirements, project demands, and everyday jobsite risks—without overpaying or missing critical coverage.
What Type of Insurance Do California Contractors Need?
We help contractors navigate the coverages that matter most. Whether you’re just starting out or managing multiple crews, we’ll guide you through it all:
Covers jobsite injuries or damage to someone else’s property. Required for most projects and clients in LA.
Required in California if you have any employees. Covers medical bills and lost wages from job-related injuries.
For trucks, vans, and vehicles used to haul tools, supplies, or crews between job sites.
Also known as tools & equipment coverage. Protects mobile gear, tools, and machinery while in transit or stored off-site.
We issue California contractor license bonds, bid bonds, performance/payment bonds, and more—fast.
From solo trades to large construction firms, we’ll tailor your insurance to match your trade, crew size, and project types.
Why Contractors Choose Derian Insurance
55+ years working with California contractors
Fast turnarounds on COIs & bonds
Support during claims and contract changes
One point of contact—real people, not automated systems
We’ll help you stay compliant with CSLB & project-specific needs
We know that in construction, delays cost money. That’s why we respond quickly, provide all required docs for your clients, and help you stay covered as your projects change. Whether you're operating in Downtown LA, Van Nuys, or Long Beach, we make insurance one less thing to worry about.
Contractor Insurance in California
What insurance do I need to get a contractor license in CA?
To be licensed by the CSLB, most contractors need a contractor license bond. Many clients also expect proof of general liability and workers’ comp (if you have employees). We help with all three.
I’m a small contractor with no employees—do I still need workers’ comp?
Sole proprietors with no employees aren’t required to carry it, but if you work with subcontractors or day labor, it may still be wise. We’ll help you assess your risk and your legal obligations.
What is builder’s risk insurance, and do I need it?
Builder’s risk covers construction projects—materials, equipment, and progress—while under development. It’s often required for new builds or major renovations.
Can Derian Insurance provide contractor bonds?
Yes. We issue all types of contractor bonds, including license bonds required by the CSLB and bid/performance bonds needed for project bids. We’ll walk you through what’s needed and get them issued quickly.
Get a Quote for Contractors Insurance in Los Angeles
From general liability and workers’ comp to license bonds and tool coverage, we’ll help you build a plan that’s ready for the job. One agency, one call—coverage that keeps you licensed, protected, and moving forward.