Protecting Your CSLB License is Our Priority

California is one of the toughest states for contractors. Between the Contractors State License Board (CSLB), strict Workers' Compensation laws, and expensive lawsuit risks, you need an agent who actually reads the fine print.

The Hardhat Insurance Team is the specialized construction division of Bearstar Insurance Services. Because our agency is based in California, we have direct access to regional carriers that other agents can't reach. We ensure your Certificates of Insurance meet the specific requirements of California city permits and general contractors.

Commercial General Liability

California General Liability

Construction defect lawsuits are common in California. We provide robust liability policies that protect your assets if you are sued for property damage or injury.

• Meets CSLB reporting requirements.

• Covers "Completed Operations" for 10 years (Statute of Repose).
  

Surety Bonds

25,000 Contractor License Bond

Every active contractor in California must have a 25,000 Contractor's Bond on file with the CSLB. We can often issue these bonds instantly and you can get a fast quote online without having to get on the phone.

• Bad credit programs available.

• Bond of Qualifying Individual (BQI) also available.

Nevada law is strict: if you have employees, you need workers compensation coverage. We help you find affordable rates to cover medical costs and lost wages if a crew member gets hurt.

• Pay-As-You-Go options available (improves cash flow).

• Waivers of Subrogation available for commercial contracts.

Workers' Compensation

What We Cover

Commercial Auto

Work Truck & Fleet

Your personal auto policy will not cover an accident if you are driving for work. Traffic in LA and the Bay Area is dangerous. Protect your work trucks against accidents, theft, and uninsured drivers. We offer filings for DMV and higher limits for commercial contracts.

Builders Risk

Builders Risk (Course of Construction)
Protect your project from California's specific risks—including wildfire and theft of materials. We cover the structure from the ground up until the job is signed off.

• Covers materials on-site and in transit.

• Required by most lenders for new construction and remodels.

• Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.

• Professional Liability: For design-build contractors and construction managers.

• Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.

And More

Local Service Area

We insure trade specialists across the entire Golden State.

• Southern California: Los Angeles, Orange County, San Diego, and the Inland Empire.

• Northern California: The Bay Area, Sacramento, and the Central Valley.

Whether you are a sole proprietor doing remodels in Irvine or a framing crew working on new developments in Fresno, we have the markets to cover you.

Serving Contractors From SoCal to the Bay

Need a CSLB-Compliant Certificate?

Our intake team is ready to get your file to a licensed California agent immediately.