Contractor insurance that clears the contract.
Alishahi Insurance places workers’ comp, general liability and license bonds for trades and general contractors in Los Angeles and across California, from an office in Beverly Hills (CA License #4348151), with the certificates, additional-insured endorsements and waivers your GCs and property managers ask for, turned around quickly.
Quick answer Alishahi Insurance, Sam Alishahi's independent brokerage in Beverly Hills (CA License #4348151), places workers' comp, general liability and license bonds for trades and general contractors in Los Angeles and across California.
- Alishahi Insurance handles the certificates, additional-insured endorsements and waivers that general contractors and property managers ask contractors for.
- Workers' compensation is required in California for employers and is rated on payroll by classification code, so accurate class codes and payroll estimates matter at audit.
- Many construction contracts ask contractors for general liability of $1M per occurrence and $2M aggregate.
- The CSLB requires a $25,000 contractor license bond to keep a California contractor license active.
- Sam Alishahi starts from the contracts a contractor signs and the jobs it takes, then builds the policies to fit them.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · En español · How this page is researched
Coverage that matches the work you actually do
Most contractor insurance problems don’t show up when you buy the policy. They show up when a GC rejects your certificate, an audit reclassifies your payroll, or a claim lands on an exclusion nobody mentioned.
I start from the contracts you sign and the jobs you take, then build the policies to fit them.
- Workers’ compensationRequired in California for employers. Rated on payroll by classification code, so accurate class codes and payroll estimates matter at audit.
- General liabilityInjury and property damage your work causes to others. Many contracts ask for $1M per occurrence and $2M aggregate.
- License bondThe CSLB requires a $25,000 contractor license bond to keep a license active; see California contractor license bond ($25,000).
- Also commonCommercial auto, tools and equipment, builder’s risk and excess liability for larger contracts.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Your license: CSLB number and classifications.
- Your work: trade, and the split between residential and commercial jobs.
- Payroll: annual payroll by type of employee, including owners who work in the field.
- Subcontractors: what you pay subs each year and whether they carry their own insurance.
- Contracts: the insurance requirements page from a typical contract.
- History: loss runs from your current carrier for the last three to five years.
Contractor insurance, answered
Do roofing contractors need special insurance?
Roofing is one of the higher-risk trades, so general liability for roofing contractors is underwritten and priced separately, and some carriers won’t write it. California also requires roofing (C-39) contractors to carry workers’ compensation even without employees. I shop the carriers that write roofers.
Do I need workers’ comp if I don’t have employees?
California requires workers’ comp for employers, and the CSLB requires a workers’ comp certificate or an exemption on file for your license. Requirements have been tightening for some classifications, so confirm your classification’s current rules with the CSLB or ask me.
Do you file the CSLB license bond too?
Yes. The $25,000 contractor license bond is a separate surety product that I place and the surety files with the CSLB; the bond page covers amounts, claims and cancellations.
What does additional insured, primary and non-contributory mean?
Additional insured extends your policy to protect the GC or owner for claims arising from your work. Primary and non-contributory means your policy responds first, without the GC’s own policy having to contribute.
Why did my workers’ comp bill go up after the audit?
Usually because actual payroll was higher than the estimate, work was classified differently, or subcontractors without their own coverage were counted as your payroll.
Do you offer contractor insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send the contract requirements. I’ll match them.
If a certificate is holding up a job, say so on the form or tell the intake assistant it’s urgent.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
A short video from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.