Insurance for San Diego contractors trade-specific, COI same-day.

Why this matters for Construction & Contractors

San Diego permitted 8,782 new homes in 2024 and a record 2,285 ADUs. The Complete Communities Now program compresses permit review to 30 days, making speed of coverage delivery a competitive advantage for contractors. California LLCs with 5 or fewer personnel are also required to carry $1M GL a rule we default into every contractor quote.

Key exposures we build coverage for

• General liability (CA $1M LLC minimum) Required by California for LLC contractors with 5 or fewer personnel.
• Builder’s risk Lender-required; covers the structure in progress against fire, theft, weather.
• Workers compensation Required in California for any business with employees. Class codes and experience modifiers drive cost.
• Commercial auto + tools & equipment Work trucks, trailers, and tools on site specialty property forms.
• Surety & performance bonds License, contractor, permit, bid, and performance bonds all available.

Why Simple Lane

We issue COIs the same day for specific GCs and additional insureds, bind builder’s risk in hours, and help trades navigate California’s contractor-specific requirements.