Our Services
Safeguard Your Construction Projects With Us
Full-service contractor insurance since 2010 — Workers Comp, General Liability, Construction Bonds, and Commercial Auto, all backed by top-rated carriers and same-day quotes.
Our Services
Contractors Insurance Services
It's top service before, during, and after the sale that counts. Select the coverage you need — we get quotes out to you the same day.
Service
Workers Compensation
Covers medical costs, rehabilitation, and lost wages for employees injured on the job — plus full compliance with California state requirements.
Service
General Liability
Protects contractors against third-party claims of bodily injury, property damage, and personal or advertising injury — a foundation policy for every trade.
Service
Construction Bonds
License, permit, bid, performance, and payment bonds — the surety guarantees that win you more jobs and keep you compliant with public and private contracts.
Service
Commercial Auto Insurance
Coverage for your work vehicles, drivers, passengers, and third-party liability — customized for contractors hauling equipment, workers, and materials.
Our Services
Contractors Insurance Services
It's top service before, during, and after the sale that counts. Select the coverage you need — we get quotes out to you the same day.
Workers Compensation
Protection for Your Most Valuable Asset
In construction, your workers are your most valuable asset. Every project depends on their skill, dedication, and safety. Top Contractors Insurance Services provides comprehensive workers' compensation insurance that protects your team and your business when workplace injuries occur — from emergency care and rehabilitation to wage replacement and return-to-work support. We also handle the complex state and federal compliance requirements so you avoid fines and legal exposure.
- Medical care, rehabilitation, and follow-up coverage for injured workers
- Wage replacement so employees can focus on recovery
- Full compliance with California state and federal workers' comp requirements
- Custom coverage for small subcontracting crews and multi-team operations
- In-house certificate department for quick proof-of-coverage requests
- Same-day quotes and flexible financing options
General Liability
The Foundation Policy for Every Trade
As a contractor, every job carries risk — accidental property damage, a client tripping over equipment, an injury on-site. General Liability Insurance is the foundation policy that protects your business from third-party claims of bodily injury, property damage, and personal or advertising injury. At Top Contractors Insurance, we specialize in general liability coverage crafted specifically for contractors in construction, plumbing, electrical, HVAC, painting, and every related trade.
- Third-party bodily injury and medical expense coverage
- Property damage protection at the job site and beyond
- Personal and advertising injury coverage
- Products and completed operations coverage
- Trade-specific policies for construction, plumbing, electrical, HVAC, and painting
- Certificates of insurance issued promptly through our in-house cert department
Construction Bonds
Surety Guarantees That Win You More Jobs
Construction bonds — also known as contractor bonds or surety bonds — are financial guarantees that ensure a contractor will fulfill their obligations. Whether you're bidding on a government contract or entering a private agreement, the right bond in place is critical to winning jobs, staying compliant, and managing project risk. We help California contractors secure license, permit, bid, performance, and payment bonds through carriers exclusive to the contracting trade.
- Contractor license and permit bonds (required by CSLB)
- Bid bonds that qualify you to compete for public and private projects
- Performance bonds guaranteeing project completion
- Payment bonds protecting subcontractors and suppliers
- Access to carriers exclusive to the contracting trade
- Fast turnaround so you never miss a bidding deadline
Commercial Auto Insurance
Coverage for Your Fleet, Wherever the Job Takes You
Your work vehicles are essential to your business — hauling equipment, workers, and supplies from job site to job site. Commercial auto insurance protects your business against the unexpected, from accidents and theft to third-party liability claims. At Top Contractors Insurance, we offer commercial auto policies tailored to contractors, with the flexibility and hands-on service you can't get from a big-box carrier.
- Vehicle coverage for accidents, theft, vandalism, and weather damage
- Driver and passenger medical and liability coverage
- Third-party liability for damage or injury caused by your vehicles
- Comprehensive and collision options
- Uninsured and underinsured motorist protection
- Customized policies for single vehicles or full contractor fleets
Our Process
From Quote Request to Ongoing Support
Same-day quotes, in-house certificates, and hands-on claims advocacy — every step handled by our licensed California brokers.
Request a Quote
Call (888) 710-8677 or request a quote online. Tell us your trade, project scope, and coverage needs — we respond same-day so you can keep working.
Consultation & Review
One of our licensed brokers reviews your operation, current coverage, and job site risks — then identifies coverage gaps and matches you with the right carriers for your trade.
Customized Coverage
We build a policy portfolio that fits your business — Workers Comp, General Liability, Bonds, or Commercial Auto — using carriers exclusive to the contracting trade for the lowest reasonable cost.
Same-Day Certificates
Our in-house certificate department issues accurate certificates of insurance the same day you need them — critical when a job site requires proof of coverage before you can start work.
Ongoing Support
Insurance isn't set-and-forget. We handle renewals, endorsements, and coverage adjustments as your business grows — with the same responsive team you started with.
Claims Advocacy
If a claim happens, we advocate for you from the first phone call to the final resolution — helping you navigate paperwork, adjusters, and the fastest possible path back to work.
Ready to Protect Your Business?
Get Your Quote Today
Call (888) 710-8677 or request a quote online. Same-day response, flexible financing, and coverage from carriers exclusive to the contracting trade — including Workers Comp, General Liability, Construction Bonds, and Commercial Auto.