Contractors Insurance Program
CIIB is your source for providing coverage for exposures that affect contractors. We offer a full range of coverage to protect your business such as Professional/Pollution Liability, Auto/Truck Coverage, Excess Coverage, General Liability, Workers Compensation & Inland Marine.
Insurance policies that fit the needs of contractors:
All contractors need to have general liability insurance to cover bodily injury or property damage that can occur on the job. This insurance covers a contractor for claims and lawsuits arising during and after the completion of the project or operations.
California state law requires that you carry workers’ compensation insurance if you have employees. Workers Compensation covers an employer’s obligation to an employee who is injured on the job, and also includes medical payments and loss of wages. The payments to employees are in exchange for relinquishment of the employee’s right to sue the employer and negligence is not an issue.
Inland Marine (Tools & Equipment)
This covers your tools and equipment from theft and damage. Tools & Equipment will be covered wherever they are, whether on the job, in the truck, or at back at the shop. This coverage is highly recommended for contractors and other business owners who often take equipment with them to job-sites.