What is A Contractor’s Liability Insurance?

A contractor’s liability insurance is a safety net for people who work in construction. It is a specialized form of insurance against different risks and liabilities that contractors face, like property damage, bodily injury, and even legal fees arising from lawsuits. This article explains it in detail.

What is This Insurance About and What Does it Do?

A contractor’s liability insurance (CLI) covers building professionals and contractors in case of construction errors. It is purchased by contractors who design and build construction projects. 

It covers both mistakes made by the contractor and third parties hired by the contractor. These third parties may be needed in case of specialized work, like drywalling, electric work, plumbing, and such.

Not all contractors provide all kinds of construction-related services. Usually, only larger contractors offer them in-house. Yet they’re also exposed to more risks, which this insurance protects them from. 

Why is A Contractor’s Liability Insurance Needed?

It covers risks that aren’t covered by a General Commercial Liability insurance (CGL). A CGL doesn’t include professional liability exclusions, which is why a contractor’s liability insurance can come in handy. 

What is Covered Under A CLI?

Many construction-related activities can be included in a list that’s in the policy documentation. Or it may be tailored to the needs of the contractor purchasing it. Some policies include a list of undertakings that aren’t a part of coverage. 

Contractors can buy a standing contractor’s liability insurance that covers everything that the contractor does. They may also choose to purchase a policy that covers particular projects with detailed time frames.

CLI vs Builders’ Risk Coverage

Both of these types of insurance cover a similar set of conditions, entities involved, and types of loss in a building project. Although, the CLU is usually taken out by the contractor. While builders’ risk is taken out by the project’s owner.

Also, the CLI can be taken out for building improvement projects, yet it may not be available for a new project without any existing structure. Simultaneously, builders’ risk coverage can secure projects that don’t have an existing structure. 

Summing Up Contractor’s Liability Insurance

Contractors liability insurance provides coverage for both third-party hires and contractors, like designers, architects, and engineers. It helps in case of errors and mistakes made on the job, and other losses incurred during a building project.

Subcontractor’s Warranty Endorsement

Those who are contractors, construction companies, maintenance companies, or other companies that use subcontractors may encounter “Subcontractors’ Warranty Endorsement” on their Commercial General Liability policies. This endorsement requires contractors to obtain additional insured status on the CGL policy of their subcontractors and to make their policies secondary to their subcontractor’s. In addition, contractors may face significant consequences if they do not meet the endorsement’s requirements.

The language of the “Subcontractors’ Warranty Endorsement” can differ among insurance providers, but the main terms of an endorsement mostly remain the same. A subcontractor’s policy must list the contractor as an additional insured and as a requirement for coverage for any insured under this policy the insured must ensure that all subcontractors maintain Commercial General Liability insurance from a company with a “A” rating and minimum liability limits of  $1,000,000 per occurrence and $2,000,000 general aggregate and  $2,000,000 products and completed operations aggregate. Additionally, the insured must be listed as an additional insured on all such subcontractors’ commercial general liability policies.

The endorsement may also require the contractor to secure an indemnity agreement from the subcontractor in addition to having additional insured status on the subcontractor’s policy.

Mandatory Workers’ Compensation Insurance for Contractors in California

The California Contractors State License Board (CSLB) has announced that starting January 1, 2023, certain licensed contractors must carry workers’ compensation insurance, regardless of whether they have employees. These contractors include those in the concrete (C-8), HVAC (C-20), asbestos abatement (C-22), and tree service (D-49) sectors. This new requirement is the result of Senate Bill 216, which was signed into law by Governor Gavin Newsom on September 30, 2022. Additionally, the bill mandates that all contractors, including those without employees, must have workers’ compensation insurance by January 1, 2026. This type of insurance is required only for C-39 Roofing contractors, regardless of their employee count. The CSLB works to safeguard consumers and ensure fairness for contractors by requiring more of them to carry workers’ compensation insurance. Consumers can verify a contractor’s license status and insurance information on the CSLB website.

Link: https://www.cslb.ca.gov/Resources/PressReleases/2022/Workers_comp_release_10_11.pdf

Loss Exposure of Contractors

Contractors are subject to some unique loss exposures. When a prospective client needs certain types of construction work done, contractors either bid for the job or negotiate a contract. Due to this, the customer specifies what should be done in the job specification. It is common for contracting businesses to have multiple locations. There are frequent changes to the job site. There may be a contractor who controls one job site while the employees or subcontractors control other job sites simultaneously or sequentially. As a contractor, you are exposed to a unique range of loss exposures. It is imperative for any contractor to evaluate and analyze their risks before obtaining contractors insurance.  

Insurance Loss Runs: How Do They Work?

An insurance loss run is a report that lists all claims made on a particular insurance policy over a specified period of time. Loss runs are typically requested by insurance underwriters when evaluating an insurance application or renewal, and they can also be used by policyholders to help identify trends or potential issues with their insurance coverage. Loss runs typically include information about the date and type of loss, the amount of the claim, and the status of the claim (e.g., open, closed, pending). They may also include details about the policyholder’s insurance coverage.

Depending on the number and type of open claims on your report, there will be a section with a reserve fund. An insurance company sets aside a certain amount to cover claims. Nevertheless, the final cost of a claim can vary from the set aside amount.

Insurance Premium Audit

Your insurer conducts a premium audit to become sure you have paid the proper premiums over the period of the policy for the insurance coverage you need.

By analyzing your company’s financial records, an insurance premium audit determines your actual risk exposure. Every year, your insurance company conducts an audit of your policy.  

Typically, when you start a new insurance policy, you estimate your business costs, payroll, and income.  Audits are performed by insurers or independent auditors at the end of policy periods to determine gross revenue and payroll data for individuals or businesses.

 Auditing an insurance policy should follow several best practices:

To ensure a successful audit, it is crucial to plan ahead and collect all the necessary documentation in advance. Organize your records and documents so the auditor can easily access them. Despite the possibility of higher premiums, be honest about the business’ operations and risk management practices. You should ask the auditor questions if you have any concerns or if something is unclear.

As a general rule, an insurance audit is conducted to ensure that the insurer has the right insurance premiums in place to protect against potential risks. In order to ensure a smooth and efficient audit, businesses should follow these best practices.

Sunset Clause aka Sunset Provision

A sunset clause on a liability policy is an endorsement that limits the coverage provided by the policy to a specific period of time, and can limit the reporting period of a claim. This means that if a policyholder is insured under a policy with a sunset clause and a claim is made for a loss that occurred during the policy period, but the claim is not reported until after the “sunset” date, the policy will not provide coverage for that claim.

For contractors, a sunset clause on a liability policy can be particularly problematic as construction projects can be complex and claims may not be discovered until long after the project is completed. For example, a defect in the construction work may not be discovered until several months or even years after the project is completed.

Therefore, contractors should approach a policy with a sunset clause with caution, and consider the potential risks and liabilities of the project before purchasing a policy. They should also consider purchasing an extended reporting period (ERP) or “tail coverage” option to provide coverage for claims that may arise after the policy period but were not reported during the policy period.

It’s important for contractors to discuss the sunset clause and ERP options with their insurance professional to ensure that they have the right coverage for their business. They should also carefully review the terms, conditions and exclusions of their insurance policy to understand the scope of coverage and any limitations.

State and Subdivision Permit Endorsement

A state and subdivision permit endorsement is a type of endorsement that can be added to an insurance policy to provide coverage for certain permits and licenses that are required by state and local governments. These permits and licenses can include building permits, zoning permits, and other types of approvals that are required for construction or other business activities.

The state and subdivision permit endorsement covers the cost of obtaining and maintaining the required permits and licenses, as well as any legal fees or fines that may be incurred as a result of violations of these permits and licenses. This endorsement is typically available for businesses that are involved in construction or other activities that require a significant number of permits and licenses from state and local governments.

By adding a state and subdivision permit endorsement to their insurance policy, businesses can protect themselves from the financial impact of obtaining and maintaining the required permits and licenses. This can help businesses to avoid delays and disruptions to their operations caused by issues related to permits and licenses.

Insurance Categories

  Abandoned Construction Project Abandoned Property Abandonment Insurance Abuse and Molestation Insurance Accident Insurance Accident- Occupational Accident Insurance Accidental Death & Dismemberment Insurance Accidental Death and Dismemberment Insurance AD&D Accounts Receivable Insurance Acid and Chemical Damage Insurance Adult Day Care Facilities Insurance Advertising Sign Companies – outdoor Aerosol Containers – filling or charging for others Agribusiness Farm & Ranch Insurance Agribusiness Insurance Agricultural Insurance Agricultural Services Insurance Air Conditioning Systems or Equipment – dealers or distributors and installation Alarms – Security Systems – Monitoring Insurance Alarms and Alarm Systems – Installation, Servicing or Repair Insurance Alien Abduction Insurance Ambulance Service Insurance Amusement & Recreation – Bands, Entertainers & Actors Amusement & Recreation – Billiard Parlors Amusement & Recreation – Bowling Centers Amusement & Recreation – Dance Studios, Dance Schools, Public Dance Halls Amusement & Recreation – Device Parlors, Arcades, Gambling Machine  Amusement & Recreation – Fitness Facilities, Health Clubs, Gyms Amusement & Recreation – Gambling Establishments, Game Parlors Amusement & Recreation – Golf Courses, Golf Club  Amusement & Recreation – Outfitters & Guides Amusement & Recreation – Professional Sports Clubs Amusement & Recreation – Racing Including Track Operation Amusement & Recreation – Shows & Exhibitions Amusement & Recreation – Sports & Recreation Clubs Amusement & Recreation Insurance Amusement Centers Insurance Amusement Devices Insurance Amusement Park Insurance Analytical Chemists Anhydrous Ammonia Dealers and Distributors Animal & Veterinary Services Insurance Animal Mortality Insurance Animal, Pet & Animal Mortality Insurance Animals – Draft Animals Saddle for Rent Animals Saddle Liability Annuities Antique Dealers Antique Stores Apartment – Commercial Insurance for Apartments Apartment Building Owner Insurance Apartment Buildings Apartment Buildings – Garden Apartment Buildings Insurance Apartment Buildings or Hotels – Time-Sharing – 4 Stories or More Apartment Buildings or Hotels – Time-Sharing – Less than 4 Stories  Apartment Commercial Building Insurance Apartment Hotels – 4 Stories or More Apartment Hotels – Less than 4 Stories Appliance Distributors  Appliance Stores  Appliances and Accessories Appliances and Accessories – installation, servicing or repair  Arboreta And Botanical Or Zoological Gardens Archery Ranges Archery Ranges – indoor Architects & Engineers – A&E Armored Car Service Companies Insurance Army and Navy Stores Art Galleries Asbestos Abatement Liability Insuance Asphalt or Tar Distilling or Refining Asphalt Works Assault & Battery Insurance Association – Community Association Insurance Association – Condominum & Homeowenrs Insurance Association – Homeowners Association Association Insurance Associations & Organization – For Profit Associations & Organization – Non Profit – Business Associations Athletic Games Sponsored Insurance Athletic or Sports Contests Insurance Athletic Programs Insurance Athletic Teams – Professional or Semiprofessional Auctioneers  Auctioneers – Livestock  Auctions  Auto Insurance Auto Insurance – High Risk Auto Insurance – Nonstandard Automobile & Vehicle – ATV – All Train Vehicle Insurance Automobile & Vehicle – Dune Buggies Insurance Automobile & Vehicle – Motorcycle Insurance Automobile & Vehicle – Private Passenger Auto Insurance Automobile & Vehicle – Recreational Vehicle Insurance Automobile & Vehicle – RV Insurance Automobile & Vehicle – Snowmobile Insurance Automobile Dismantling Automobile Parts and Supplies Distributors Automobile Parts and Supplies Stores Automobile Renting or Leasing Companies Automotive Stores – Auto Parts & Supply Stores Automotive Stores – Tire Dealers Aviation – Aircraft Insurance Aviation – Airplane Renters Insurance Aviation – Airport – lessees of portions of airports engaged in the sale of aircraft Aviation – Airport Runway or Warming Apron – paving or repaving, surfacing, resurface Aviation – Airports – Commercial Aviation – Airports – Private Aviation – Drone Insurance Aviation – Drone Product Liability Insusrance Aviation – Non-Owned Drone Liability Insurance Aviation – Non-Owned Drone Physical Damage Insurance Aviation – Unmanned Aircraft  Insusrance Aviation – Workers Comp Insusrance Aviation Insurance Aviation Risks Bailee Insurance Bakeries Bakery Plants Barber or Beauty Shop Supplies Distributors Barber Shops Bathhouses or Bathing Pavilions Bazaars – operated by the insured Beach Chairs and Umbrellas – rented to others Beaches – bathing – commercially operated Beaches – bathing – not commercially operated Beauty Parlors and Hair Styling Salons Beverage Bottler Beverage Distributors Beverage Stores – Liquor and Wine Beverage Stores – Soft drinks and Beer Bicycle Stores – sales and servicing Bicycles – rented to others Billiard or Pool Halls Bingo Games Blacksmithing Blanket Contractual Liability Insurance Blasting Operations Blood Banks Boarding or Rooming Houses Boat & Personal Watercraft Insurance Boat Dealers Boat Insurance Boat or Ship Building Boat Rental Insurance Boat Repair and Servicing Boat Storage and Moorage Boat Yards or Marinas Boat, Yacht & Watercraft Insurance Bobtail Liability Insurance Boiler & Machinery Insurance Boiler Inspection, Installation, Cleaning or Repair Bonds Bonds – Bail Bonds Bonds – Bid Bonds Bonds – Cannabis Bonds Bonds – Construction Bonds Bonds – Contractors License Bond Bonds – Court Bonds Bonds – ERISA Bonds – Fidelity & Dishonesty Bonds Bonds – Financial Guarantees Bonds Bonds – Fudiciary Bond Bonds – Judicial Bonds Bonds – Lean Release Bonds Bonds – License & Permit Bonds Bonds – Lost Instrument Bonds Bonds – Medicare Provider Bonds Bonds – Misc. Guarantee Bonds Bonds – Payment Bonds Bonds – Performance Bonds Bonds – Probate Bonds Bonds – Public Official Bonds Bonds – Reclamation Bonds Bonds – Subdivisions Bonds Bonds – Surety Bonds Book and Magazine Stores Bookbinding Botanical & Zoological Gardens Bowling Lanes Boy or Girl Scout Councils Buffer Layer Insurance Building Cleaning & Maintenance & Janitorial Services Building Cleaning & Maintenance Services – Housekeeping  Building Material Dealers Building Material Distributors Building Structure – Raising or Moving Buildings or Premises Burglary Insurance Bus Stations or Terminals Business Commercial  Insurance Business Insurance Business Interruption Insurance Business Owners Policy – BOP Business Services Business Services – Check Cashing Services Business Services – Construction Management Services Cable Installation in Conduits or Subways Cable or Subscription Television Companies Caisson or Cofferdam Work  Caisson or Cofferdam Work – Foundations for Buildings Camera and Photographic Equipment Stores Camper or Travel Trailer Sales Agencies Campgrounds Camps – Resort Camps – Sport Camps Camps – Youth Camps Camps Guest Ranchers Camps Insurance Candy or Confectionery Stores Cannibis Insurance Cannibis Marijuana Insurance Car Wash Insurance Car Washes    Car Washes – Full Service Car Washes – Self Service Care, Custody And Control Insurance Cargo – Intermodal Container Cargo Cargo & Freight Insurance Cargo Air Cargo Coverage Cargo All Risk Policy Coverage Cargo Basic Coverage Cargo Freight Brokers Cargo Inland Marine Cargo Insurance Cargo Insurance Cargo Liability Insurance Cargo Motor Truck Cargo Insurance Cargo Motor Truck Cargo Legal Liability Insurance Cargo Ocean Marine Cargo Insurance Cargo On Hook Cargo Open Policy Coverage Cargo Package Policy Coverage Cargo Shipping Agents & Related Services Cargo Transit Insurance Policy Cargo Trip Transit Policy Coverage Carnival or Circus Companies Carnivals – outside Carnivals or Circuses – in tents Carpet, Rug or Upholstery Cleaning  CAT Capacity Insurance CAT Property Insurance Catalog or Premium Coupon Redemption Stores Catastrophe Insurance Caterers Catering Food Trucks Catering Off-Premise Catering Trucks Ceiling or Wall Installation – metal Cemeteries Charterers Legal Liability Insurance Chemical Distributors Children’s Playcenters – indoor Chimney Cleaning Clay or Shale Digging Cleaning – Outside Surfaces of Buildings Clothing or Wearing Apparel Distributors Clothing or Wearing Apparel Stores Clothing Stores Clothing Stores Insurance Clubs – Activity Clubs Clubs – Civic, Service or Social Clubs – Comedy Clubs Clubs – Country & Golf Clubs Clubs – Country Clubs Clubs – Golf Clubs Clubs – Health Clubs Clubs – Horseback Riding  Clubs – Nightclubs & Cabarets  Clubs – Racquet Sports & Handball Clubs – Social Clubs Clubs – Sport Clubs Clubs – Swimming Clubs Insurance Collateral Protection Insurance Collectibles and Memorabilia Stores College Saving Plans Commercial Auto Insurance Commercial Auto Insurance Ambulances Commercial Auto Insurance Antique Autos Commercial Auto Insurance Armored Cars Commercial Auto Insurance Business Auto Insurance Commercial Auto Insurance Cannabis Delivery Commercial Auto Insurance Catering trucks Commercial Auto Insurance Concrete Pumpers, Ready Mix, Cement Mixers Commercial Auto Insurance Courier & Parcel Delivery Commercial Auto Insurance Crane & Boom Trucks Commercial Auto Insurance Dump Trucks Commercial Auto Insurance Farming & Livestock Commercial Auto Insurance Fire Department  Commercial Auto Insurance Food Delivery Commercial Auto Insurance Food Pizza Delivery Commercial Auto Insurance Food Specialized Delivery Commercial Auto Insurance High Risk Commercial Auto Insurance Law Enforcement  Commercial Auto Insurance Livery Public Auto  Commercial Auto Insurance Livery Public Auto – Airport Limousines Commercial Auto Insurance Livery Public Auto – Airport Shuttle Commercial Auto Insurance Livery Public Auto – Buses Commercial Auto Insurance Livery Public Auto – Courtesy Shuttle Commercial Auto Insurance Livery Public Auto – Limousine Commercial Auto Insurance Livery Public Auto – School Buses Commercial Auto Insurance Livery Public Auto – Taxicabs Commercial Auto Insurance Medical Marijuana Delivery Commercial Auto Insurance Non-Emergency Ambulances & Medivan Commercial Auto Insurance Nonstandard Commercial Auto Insurance Para Transit & Ambulances Commercial Auto Insurance Passenger Transportation Commercial Auto Insurance Police Cars Commercial Auto Insurance Public Entity Auto Commercial Auto Insurance Sand & Gravel Haulers Commercial Auto Insurance Schools Commercial Auto Insurance Septic Tank Pumpers and Haulers Commercial Auto Insurance Tow Trucks Commercial Auto Insurance Truckers – Transportation Commercial Auto Insurance Truckers Owner Operator Commercial Auto Insurance Trucking For-Hire – Transportation Commercial Auto Insurance Trucking Interstate & Intra Commercial General Liability Insurance Commercial Insurance Commercial Liability Insurance Commercial Package Insurance Commercial Property Insurance Commissary Work Communication Equipment Installation  Communications Services Community Recreational Facilities Comprehensive General Liability Insurance Comprehensive Personal Liability Insurance Computer Consulting  Computer Data Processing  Computer Programming  Computer Service & Maintenance & Related Services Computer Service or Repair Computer Stores Concessionaires Concrete – Mixed in Transit Condo Association Condomimium Association Insurance Condominium Unit Owner Insurance Condominiums  – Commercial Warehouses  Condominiums – Commercial Building Condominiums – Commercial Shopping Centers Condominiums – Insurance HO-6 Condominiums – Residential Construction Insurance  – Crane Services Insurance Construction Insurance  – Owner Contractor Controlled Insurance Project (OCIP) Construction Insurance  – Owners & Contractors Protective (OCP) Construction Insurance – Builders Risks Insurance Construction Insurance – Course of Construction Insurance Construction Insurance – Design and Build Insurance Construction Insurance – Developer Insurance Construction Insurance – Homebuilders Insurance Construction Insurance – Owner-Builder Insurance Construction Insurance – Project Manager Insurance Construction Insurance – Wrap Ups Insurance Consultants Insurance Content Insurance Contingent Insurance Contingent Liability Insurance Contractors – Air Conditioning Contractor Contractors – Artisan Contractors  Contractors – Artisan Contractors Insurance Contractors – Asbestos Certification Contractor Contractors – Awnings Contractors – Boiler, Hot Water Heating & Steam Fitting Contractor Contractors – Builders Risk  Contractors – Building Moving Contractor Contractors – Cabinet, Millwork & Finish Carpentry Contractor Contractors – Central Vacuum Systems Contractors – Ceramic & Mosaic Tile Contractor Contractors – Communication Equipment  Contractor Contractors – Concrete Contractor Contractors – Condominium & Townhouses New & Remodeling Contractor Contractors – Construction Clean-Up Contractor Contractors – Construction Zone Traffic Control Contractor Contractors – Course of Construction Contractors – Debris Removal Contractor Contractors – Demolition Contractor Contractors – Developer Contractors – Door, Gates & Activation Devices Contractor Contractors – Drilling, Blasting & Explosive Contractors – Drilling, Blasting & Oil Field Work Contractor Contractors – Drywall Contractor Contractors – Earthwork & Paving Contractors Contractors – Electrical Contractor Contractors – Electrical Sign Contractor Contractors – Elevated Floors Contractor Contractors – Elevator Contractor Contractors – Excavation Contractors Contractors – Fencing Contractor Contractors – Fire Protection Contractor Contractors – Flooring & Floor Covering Contactor Contractors – Framing & Rough Carpentry Contractor Contractors – General Building Contractor Contractors – General Contractor Contractors – General Engineering Contractor Contractors – General Liability Insurance Contractors – General Manufactured Housing Contractor Contractors – Glazing Contractor Contractors – Grading Contractors Contractors – Handyman Contractors – Handyman Contractor Contractors – Hardware, Locks & Safe Contractor Contractors – Hazardous Substance Removal Certification Contractors – Heating, Ventillation & Air Conditioning Contractor Contractors – Home Improvement Certification Contractors – HVAC Contractors – Hydroseed Spraying Contractor Contractors – Insulation & Acoustical Contractor Contractors – Landscape Contractor Contractors – Lathing & Plastering Contractor Contractors – Lathing Contractor Contractors – Liability Insurance Contractors – Lock & Security Equipment Contractor Contractors – Low Voltage Systems Contractor Contractors – Machinery & Pumps Contactor Contractors – Masonry Contractor Contractors – Metal Products Contractor Contractors – Metal Roofing Contractor Contractors – Mobile Home Installation & Repair Contractor Contractors – Ornamental Metal Contractor Contractors – Owner Builder Contractors – Painting & Decorating Contractor Contractors – Paperhanging Contractor Contractors – Parking & Highway Improvement Contractor Contractors – Paving Contractors Contractors – Pile Driving & Pressure Foundation Jacking Contractor Contractors – Pipeline Contractor Contractors – Plumbing Contractor Contractors – Pole Installation & Maintenance Contractors – Pool & Spa Maintenance Contractor Contractors – Power Line Contractors Contractors – Prefabricated Equipment Contractor Contractors – Refrigeration Contractor Contractors – Reinforcing Steel Contractor Contractors – Rigging & Rig Building Contractor Contractors – Roofers Contractors – Roofing Contractor Contractors – Sand & Water Blasting Contractor Contractors – Sanitation System Contractor Contractors – Scaffolding Contractor Contractors – Scaffolding Erection & Dismantling Contractors – Service Station Equipment & Maintenance Contractor Contractors – Sheet Metal Contractor Contractors – Siding & Decking Contractor Contractors – Sign Contractors Contractors – Solar Contractor Contractors – Specialty Contractor Contractors – Sprinklers Contractor Contractors – Structural Steel Contractor Contractors – Suspended Ceilings Contractor Contractors – Swimming Pool Contractor Contractors – Synthetic Products Contractor Contractors – Tree Services Contractor Contractors – Trenching Contractor Contractors – Warm-Air Heating, Ventilating & Air-Conditioning Contractors – Water Conditioning Contractor Contractors – Water Well Drilling Contractor Contractors – Waterproofing & Weatherproofing Contractor Contractors – Weatherization & Energy Conservation Contractor Contractors – Welding Contractor Contractors – Window Coverings Contractor Contractors – Wood Tanks Contractor Contractors Insurance Contractors Insurance Contractors Permanent Yards – maintenance or storage of equipment or mate Contractors Tool & Equipment Insurance Contractors’ Equipment Contractors’ Equipment Dealers Contractos Insurance Contractual Liability Insurance Conventions Convents or Monasteries Copying and Duplicating Services – retail Copyright Infringement Insurance Corporal Punishment Insurance Cosmetic, Hair or Skin Preparation Stores Cosmetology – Beauty Shops Cosmetology – Day Spa & Massage Cosmetology – Electrolysis, Facial Cosmetology – Hairdressers, Barbers Cosmetology – Nail Salon Cosmetology – Tanning Salons Cosmetology – Tattoo Parlors & Body Piercing Cosmetology Insurance Costs Insurance Cotton Compressing Cotton Gin Operations CPL Compulsory Insurance Credit & Collection Services Credit Insurance Crematories Crime Insurance Crop Insurance Crop Spraying Cryptocurrency – Bitcoin Insurance Cryptocurrency – Coinbase Insurance Cryptocurrency – Mining Insurance Cryptocurrency Insurance Cyber Insurance Cyber Liability Insurance Cyberspace Insurance Dairy Products Stores Dam or Reservoir Construction Dam, Levee or Dike – existence hazard only Dams & Reservoirs Dance Halls or Ballrooms Day Care Centers Deductible Buy Back Defective Dental Laboratories Department or Discount Stores Detective or Investigative Agencies – private Diagnostic Testing Laboratories DIC – Difference In Condition Insurance Direct Excess Insurance Direct Primary Insurance Directors & Officers Insurance (D&O) Disability Insurance Disappearance Insurance Disinfecting And Pest Control Insurnce Distillation or Extraction Distributors  Distributors – Food or Drink Diving – Marine Dock Operations – Coal, Grain or Ore Draftsmen Drawbridges – existence hazard only Dredging Dredging – gold – endless bucket or ladder type Dredging – gold – floating dragline type Drilling Drilling – water Drug Distributors Drugstores  Drugstores Insurance Drums or Containers Manufacturing – metal Drums or Containers Manufacturing – plastic Dry Wall or Wallboard Installation Dude Ranches Insurance Dwelling Insurance Dwelling Insurance – Fire Dwelling Insurance – Seasonal Dwelling Insurance – Vacant Earthquake Insurance Educational Services – Schools, Colleges, Vocational & Libraries Electric Light or Power Companies Electric Light or Power Cooperatives Electric, Gas, Sanitary Services Electrical Apparatus – installation, servicing or repair Electrical Equipment Distributors Electronic Date Processing Insurance (EDP) Electronics Stores Electroplating Elevator Liability Insurance Elevator or Escalator Insurance Employee Benefit Employee Benefit Plan Employee Dishonesty Insurance Employee Stock Ownership Plan – ESOP Employees Benefits Insurance Employees Benefits Liability Employers Nonownership Liability Insurance Employment – Professional Employer Organization PEOs Employment & Staffing Agencies  Employment Agencies Employment Practices Liability Insurance Employment Practices Liability Insurance – EPLI Energy – Oil & Gas Drilling Energy Related Risks Engineers or Architects – Consulting Engraving Entertainment Insurance  Entertainment Insurance – Film Insurance Entertainment Insurance – Motion Pictures  Entertainment Insurance – Motion Pictures – Film Processin Entertainment Insurance – Motion Pictures – Film Production Entertainment Insurance – Motion Pictures & Allied Services Entertainment Insurance & Motion Pictures Insurance Environmental Insurance Equine Insurance Equine Insurance & Livestock Insurance Equipment Breakdown Insurance Equipment Insurance & Machinery Insurance Equipment Rental & Leasing Services Equipment, Fixtures or Supplies – for bars, hotels, offices, restaurants ERISA – Employee Retirement Income Security Act Errors & Omissions Insurance (E & O) Event Cancellation Insurance Event Insurance – Special Event Insurance Excess Liability Insurance Excess Property Insurance Excess Workers Compensation Insurance Executive Liability Insurance (ELI) Executive, Directors & Officers Liability Insurance Exhibition or Convention Buildings Exhibitions  Express Companies Extortion Insurance Fabric Distributors Fabric Stores Fair Grounds – non-operating season Fairs – outside Farm & Crop Insurance Farm Machinery Operations – by contractors Feed, Grain or Hay Dealers Fence Dealers Fence Erection Contractors Fertilizer Dealers and Distributors Fiduciary Insurance Finance – Banks with Distressed Financials Finance – Depository Institutions, Banks, Saving & Loan, Credit Union, & Non-Deposit Trust Facilities Financial Guarantee Insurance Financial Institution Financial Loss of Tax Revenue Insurance Fine Arts and Collectibles Insurance Fire & Property Insurance Fire Departments Fire Departments – volunteers Fire Extinguishers – servicing, refilling or testing Fire Insurance Fire Protection Equipment Dealers and Distributors Fire Suppression Systems – installation, servicing or repair Firearm Dealers Firearm Insurance Fireproofing – structures Fireworks Exhibitions Fishing Piers Fishing Ponds or Lakes – commercially operated Fishing, Hunting & Trapping Service Fixed Base Liability Insurance Floaters Floater Insurance Flood Insurance Floor Covering Distributors Floor Covering Installation – not ceramic tile or stone Floor Covering Stores Floor Waxing Florists Food & Beverage – Alcoholic Beverages – Pubs & Sport Bars, Taverns, Micro Breweries Food & Beverage – Bakeries Food & Beverage – Bars, Taverns and Cocktail Lounges Food & Beverage – Cabarets, Discotheques & Night Clubs Food & Beverage – Convenience Stores Food & Beverage – Entertainment Establishments – Adults Food & Beverage – Food Stores – Supermarkets Food & Beverage – Ice Cream & Yogurt Shops Food & Beverage – Liquor Stores Food & Beverage – Nightclubs Food & Beverage – Restaurants & Food Establishments Force Majeure Insurance Foreign Insurance Foreign Production Insurance Forestry – Forestry General Services Forestry Service Forgery & Alteration Insurance Forging Work Formal Wear or Costumes – rented to others Foundries Fraud Insurance Freight Forwarders or Handlers Freight Forwarders or Handlers – packing, handling or shipping explosives Frozen Food – distributors Fruit or Vegetable – harvesting contractors Fruit or Vegetable Dealers Fruit or Vegetable Distributors Fuel Dealers or Distributors – coal or wood Fuel Dealers Retail Fuel Oil or Kerosene Dealers Fuel Oil or Kerosene Distributors Fumigating Funeral Homes or Chapels Funeral Services & Crematories Fur – Garments and pelts – distributors Fur or Pelt Processing Furniture or Fixtures – installation in offices or stores – portable Furniture or Woodwork Stripping, Refinishing or Repairing – shop only Furniture Stores Galvanizing or Tinning Gambling – Casinos Gambling – incidental to other operations Gap Insurance Garage & Garagekeepers Insurance Garage Insurance Garage Insurance – Aircraft Dealers Garage Insurance – All Train Vehicles (ATV) Dealers Garage Insurance – Auto Dealer & Garage Insurance Garage Insurance – Auto Dismantling & Salvage Yards & Storage Facilities Services Garage Insurance – Auto Repossession & Recovery Services Garage Insurance – Auto Road Services Garage Insurance – Automobile Parking – Valet Parking Garage Insurance – Automobile Parking Facilities & Service Garage Insurance – Automotive Body & Paint Shop Services Garage Insurance – Automotive Repair Shop Services Garage Insurance – Automotive Services – Towing Services Garage Insurance – Automotive Stores – Tire Dealers Garage Insurance – Automotive Wheel & Tire Sales & Installation Garage Insurance – Boat & Jet Ski Rental Garage Insurance – Boat Dealers Garage Insurance – Car Washes Garage Insurance – Dealers Open Lot Insurance Garage Insurance – Dealers Physical Damage Insurance Garage Insurance – Gasoline Stations Garage Insurance – Motorcycle Dealers Garage Insurance – Motorcycle Repair Services Garage Insurance – New Car Dealership Insurance Garage Insurance – Passenger Car Rental & Leasing Services Garage Insurance – RV – Recreation Vehicle Dealers Garage Insurance – Service Stations Garage Insurance – Snowmobile Dealers Garage Insurance – Trailer Dealers Garage Insurance – Truck Dealership Insurance Garage Insurance – Truck Rental & Leasing Services Garage Insurance – Used Car Dealership Insurance Garage Insurance – Utility Trailer and Recreational Vehicle Rental & Leasing Services Garage Keepers Insurance Garbage or Refuse Dumps Garbage Works – separation for recycling, reduction or incineration Garbage, Ash or Refuse Collecting Gas Companies Gas Companies – natural gas – local distribution Gas Dealers – LPG Gas Dealers or Distributors Gas Distributors – LPG Gas Mains or Connections Construction Gasoline Distributors Gasoline or Oil Supply Stations – retail Gasoline Recovery – from casing head or natural gas Gasoline Stations Insurance Gasoline Stations – self and full service combined Gasoline Stations – self-service Gemstone Cutting or Polishing General Liability Insurance Geophysical Exploration Gift Shops Glass Dealers and Glaziers Glass Insurance Golf Courses  Golf Courses – miniature Golf Driving Ranges Golfmobiles – loaned or rented to others Governmental Subdivision Grading of Land Grain Elevator Operations Grain Milling Grandstands or Bleachers Greenhouse Erection Greenhouses Grocery Distributors Grocery Stores Group Health Insurance Group Life Insurance Guides or Outfitters Guniting or Shot-Crete Gunsmiths Halls Handyman Hardware and Tool Distributors Hardware Stores Hazardous & Waste Management Services Hazardous Material Contractors Health & Accident Insurance Health and Human Services Health Care Facilities – alcohol and drug Health Care Facilities – clinics, dispensaries or infirmaries treatment Health Care Facilities – convalescent or nursing homes – not mental Health Care Facilities – homes for the aged Health Care Facilities – homes for the physically handicapped or Health Care Facilities – hospitals Health Care Facilities – mental – psychopathic institutions Health Care Facilities Insurance Health Care Services – Assisted Living Health Care Services & Providers Health Insurance – Medical Insurance Health or Exercise Clubs Health or Exercise Facilities – commercially operated Health or Natural Food Stores Hearing Aid Stores Heating or Combined Heating and Air Conditioning Systems or Equipment – dealer Hide Dealers and Distributors Hired Auto Insurance Hobby, Craft or Artist’s Supply Stores Hole-In-One Insurance Home Health Care Services Home Improvement Stores Homeowners & Renters Insurance Homeowners Insurance Homeowners Insurance – High Value Homeowners Insurance – Nonstandard Honey Extracting Hospitality Insurance Hotel & Motel Insurance Hotels and Motels House Furnishings Installation House of Worships – Churches, Monasteries, Convents, Mosques & Temples Housing Projects – Federal, State, Local Hunting Preserves Ice Cream Stores Ice Dealers and Distributors Identity Theft Insurance Immigration Reform & Control Act Risks – IRCA Importers In Orbit Coverage Insurance Information Technology Services – Internet & Related Services Infringement Insurance Inland Marine    Inland Marine Insurance Inspection and Appraisal Companies Insulation Work Insulation Work – mineral Insulation Work – organic or plastic in solid state Insurance Agent E & O Insurance Insurance Agent Professional Liability Insurance Insurance Agents Errors and Omissions Insurance Companies Insurance Entities Insurance Legal Defense Insurance Professionals – Accounting Services Insurance Professionals – Actuarial Services Insurance Professionals – Admin Services Insurance Professionals – Advertising Agencies Insurance Professionals – Appraisers Insurance Professionals – Attorneys Insurance Professionals – Auditing Services Insurance Professionals – Billing Services Insurance Professionals – Call Centers Inbound & Outbound Insurance Professionals – Captive Insurance Consultants & Facilities Insurance Professionals – Claim Adjusters Insurance Professionals – Claim Investigators Insurance Professionals – Claims Services Insurance Professionals – Collateral Recovery and Repossession Services Insurance Professionals – Data Processing Services Insurance Professionals – Debt Recovery and Collection Services Insurance Professionals – Document Processing and Editing Services Insurance Professionals – E-Mail Services Insurance Professionals – Emergency Repair Services Insurance Professionals – Employment/Staffing Agencies Insurance Professionals – Engineering Services Insurance Professionals – Environmental Impact Assessments Insurance Professionals – Fax Broadcasting Services Insurance Professionals – Fax Services Insurance Professionals – Fire & Water Damage Restoration Insurance Professionals – Fronting Consultants & Facilities Insurance Professionals – Graphic Art & Logo Services Insurance Professionals – Information Technology Services Insurance Professionals – Inspection Services Insurance Professionals – Insurance Agency  Insurance Professionals – Insurance Agency 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The Contractor’s Bond has been increased to $25,000 by the CSLB

According to the press release issued by CSLB on September 30,2022, as of January 1, 2023, the Contractors State License Board (CSLB) will require a $25,000 bond from all contractors.

 

This increase was first announced by CSLB in December 2021. Senate Bill 607, signed into law in 2021, led to the increase. Bonds for contractor licenses (from $15,000 to $25,000) and qualifying individuals (from $12,500 to $25,000).

 

CSLB distributed notices on September 28, 2022, instructing surety companies to automatically increase bonds currently on file with CSLB for licenses and qualifying individuals. You should be contacted soon if your bond premium changes if you are a licensed contractor.

 

If you wish to increase your bond, you can contact your surety company directly to confirm they have returned documentation to CSLB. If you know the name of your surety company,

 

Your bond agreement itself or your broker can provide the name and contact information of your surety.

 

Please contact your broker or surety company if you have questions about your bond premium increase.

 

Sureties will have access to new contractor bonds and bonds of qualifying individuals starting in December 2022.

 

For information about bonds, visit CSLB’s website.