CCalvo InsuranceCalifornia

Insurance for Contractors in California

Get a QuoteCall (951) 383-3000
Javier Calvo, commercial insurance agent in Murrieta, California

Your agent: Javier Calvo

  • Licensed California agent — CA License #0L69621
  • Hablamos español / Bilingual service
  • Local office in Murrieta, CA
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Contracting is physical work with real exposure on every job. A crew member gets hurt on a ladder. A customer's property is damaged mid-project. A loaded work truck is in a freeway accident. General contractors and clients also ask for certificates of insurance before you can start, so the right coverage is often what stands between you and the job.

We work with California contractors and construction trades every day. We write three coverages — Business Owners Policy, Workers' Compensation and Commercial Auto — and we can quote them together so your certificates, payroll class codes and vehicles are all handled in one place, in English or Spanish.

How our three coverages fit

  • Business Owners Policy

    A Business Owners Policy can help cover your tools, equipment and office property, plus general liability if your work damages a client's property or someone is hurt — depending on the policy.

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  • Workers' Compensation

    California generally requires workers' comp for businesses with employees, and construction is one of the most closely watched industries. It can help cover medical care and lost wages when a crew member is hurt on the job.

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  • Commercial Auto Insurance

    Work trucks and vans carrying tools and materials usually need commercial auto — personal policies often exclude business use. It can help cover liability and damage to your vehicles, depending on the policy.

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Common questions

Do California contractors need workers' comp?
California generally requires workers' compensation for any business with employees, and the rules are especially strict in construction. Tell us how your crews are set up and we'll walk you through it.
Can you provide certificates of insurance for my clients?
Yes. Once your policies are in place we can issue certificates showing your coverage to general contractors and clients who ask for them.
Are my tools covered in my truck?
Tools and equipment in a vehicle can be covered depending on how the policy is written. It's one of the first things we review, because for many contractors the tools are worth more than the truck.
Can I get a quote in Spanish?
Absolutely. Our agency is fully bilingual — your quote, your paperwork and your questions are handled in English or Spanish, whichever you prefer.

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10 years serving California businesses, bilingual service, no obligation.