General liability, the CSLB contractor license bond, tools & equipment, and workers' comp for the trades building Santa Clara County and Marin. We issue certificates of insurance fast so you don't lose the bid. Bilingual agents.
Aceptamos ITIN · Sin preguntas sobre tu estatus
No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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A contractor's insurance is rarely one thing. Before you can pull a permit or pass a general contractor's compliance check, you usually need general liability with completed-operations coverage, the CSLB contractor license bond required to hold an active California license, and — the moment you put a crew on payroll — workers' compensation. Add tools and equipment coverage for the gear in your truck and on the job site, and you have the core of what most San Jose and Marin trades carry. As an independent broker we shop these across carriers and assemble the combination your trade and your contracts actually require.
The right policy looks different for a solo handyman, a framing crew, an electrician, and a roofer — the risk a carrier sees and the price you pay both move with your trade classification. We ask what you actually do, what you subcontract out, and who you contract with, because a GC who needs you named as additional insured and a homeowner remodel are two very different requirements. Getting the classification and the certificate right the first time is what keeps you on the job instead of stuck at the trailer.
Covers third-party injury and property damage on the job. Required by most GCs and by Santa Clara County and Marin permits before you start.
Covers claims that surface after the job is done — critical for trades whose work is inspected and lived in for years.
California requires a contractor license bond to hold an active CSLB license. We write the bond and keep it current.
Covers the tools and equipment in your truck and on site — the gear you cannot work without if it is stolen or damaged.
Required the moment you have employees on payroll. We shop it across carriers so your crew is covered and you stay compliant.
GCs routinely require you to name them as additional insured. We issue the endorsement and certificate so you win the bid.
Construction across the Bay Area does not slow down. Santa Clara County runs on tenant improvements, ground-up builds, and the accessory dwelling units (ADUs) that homeowners are adding all over San Jose, Sunnyvale, and Campbell. Marin County keeps a steady stream of high-end remodels and additions moving across San Rafael, Novato, and the rest of the county. Every one of those jobs has a general contractor or a homeowner who wants to see a certificate of insurance before you set foot on site — and often wants to be named as additional insured before they cut a check.
That is where most trades lose time. A certificate that takes days to issue can cost you the job. We keep your general liability, bond, and workers' comp set up so we can turn around a certificate — with the right additional-insured endorsement — fast, usually the same day. For the many bilingual trades and crews working this region, we handle all of it in Spanish or English, because the paperwork that keeps you compliant should not be the thing that slows you down.
Our San Jose office at 25 N. 14th St. on the East Side works with contractors and trades the way they actually run — early site starts, GC compliance deadlines, and certificate requests that cannot wait. We serve trades across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell from here, and the Marin trades around San Rafael and Novato through our San Rafael office. We work bilingually in English and Spanish, which matters in a region where so many of the crews building it speak Spanish on the job.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm — the Saturday hours exist for exactly the tradespeople who cannot leave a site mid-week. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. If another agent could not handle your bond, your comp, or your certificates fast enough, bring it to us.
Walk in or call — we'll set up your liability, bond, and comp and turn certificates around fast.