Contractor Insurance Service Areas
Jesus Galvan is a licensed commercial insurance broker in California, Idaho, Nevada, Oregon, Texas and Washington, and serves contractors in Arizona, Colorado and across the western United States. Working somewhere else? Coverage options are available in every state through Bearstar Insurance Services and its partner agencies.
Choose your state for its licensing, bond and insurance requirements, or call (949) 868-7350.
Insurance Requirements by State
In every state we serve, we place general liability, workers’ comp, commercial auto, contractor bonds, builders risk, equipment, umbrella and more. Here are the licensing and insurance rules that matter most in each state.
California
Contractors are licensed by the CSLB and need a $25,000 contractor license bond. LLC licensees also need a $100,000 LLC employee/worker bond and at least $1 million in liability coverage. Workers’ comp is required once you have employees, and under SB 216 every licensee will need it by January 1, 2028. See California contractor insurance.
Oregon
Contractors are licensed by the Construction Contractors Board (CCB), with bond and liability minimums set by endorsement. Workers’ comp comes from SAIF or a private carrier. See Oregon contractor insurance, plus roofing, excavation, tree service and demolition.
Washington
Contractors register with the Department of Labor & Industries (L&I) and keep a bond and liability insurance on file. Workers’ comp comes only from L&I, so most contractors add stop gap coverage. See Washington contractor insurance, plus roofing, excavation, tree service and demolition.
Nevada
Contractors are licensed by the Nevada State Contractors Board (NSCB), which sets each license bond between $1,000 and $500,000 and requires proof of workers’ comp or an exemption. See Nevada contractor insurance, plus roofing and excavation.
Idaho
Contractors working on jobs of $2,000 or more register with the Idaho Contractors Board and must carry general liability of at least $300,000, including completed operations, plus workers’ comp for employees. See Idaho contractor insurance.
Texas
Texas has no statewide general contractor license, though many cities require registration or permits. Workers’ comp is optional for most private employers, but public projects require it and most general contractors ask for it from their subs. See Texas contractor insurance, plus roofing and excavation.
Arizona
Contractors are licensed by the Registrar of Contractors (ROC) and post a license bond. Workers’ comp is required from the first employee, full- or part-time.
Colorado
Colorado has no statewide general contractor license, so licensing happens at the city or county level, as in Denver and Colorado Springs. Workers’ comp is required with one or more employees.
All Other States
Coverage options are available in every state through Bearstar Insurance Services and its partner agencies. Tell us where you work and we’ll find the right market. Get a quote or call (949) 868-7350.
Oregon: (971) 430-4717 · Washington: (509) 355-9480 · California and all other states: (949) 868-7350. Se habla español.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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