Small business insurance cost for contractors and tradespeople in California
A typical small contractors and tradespeople business in California with two employees and about $250,000 in revenue can expect to pay roughly the range below. Your own price will move up or down with your size, claims history, and coverage limits.
Typical total, per month
About $3,946–$6,577 per year for a business owner’s policy and workers’ compensation.
Cost by policy type
| Policy | Per month |
|---|---|
| General liability | $83–$139 |
| Business owner’s policy (liability plus property) | $113–$188 |
| Workers’ compensation (2 employees) | $216–$360 |
What drives the price for contractors and tradespeople
Job-site injuries and property damage make this one of the costliest groups to insure, and workers’ compensation is usually the biggest line.
What to know in California
California requires workers’ compensation as soon as you have any employees, and it is among the higher-cost states for both liability and compensation coverage.
Tips before you buy
- Many clients and general contractors won’t let you start work until you send a certificate of insurance, so get coverage before you bid.
- Subcontractors without their own coverage can land their costs on your policy, so collect their certificates.
- Roofing, electrical, and other higher-risk trades pay noticeably more than painters or handymen.
More guides
- Contractors and Trades in Texas
- Contractors and Trades in Florida
- Contractors and Trades in New York
- Restaurants and Cafés in California
- Salons and Spas in California
- Cleaning Services in California
- Retail Shops in California
- Consultants and Offices in California
These figures are rough estimates for planning only, not quotes, offers, or insurance advice. Actual prices depend on the insurer and your specific business. Check with a licensed agent before you buy.