Before you review the California Contractors Insurance Rates below, keep in mind that "Rule #1" is contractor general liability insurance policies and insurers are NOT ALL THE SAME.
 
The five (5) important items shown below will help you differentiate between a "Good Rate for You" or "Good Deal for the Insurer."

1.  An ISO General Liability Insurance Policy is the "Standard and Usual" of the industry and is a frequent requirement under common contracts.

2.  Products and Completed Operations is the Most Important Coverage Part for most contractors and "Limited Period Coverage" will restrict that coverage.

3.  Verify "All Operations Are Disclosed and Identified In Premium Basis" because many contractor liability insurance policies are issued with a condition of not disclosed - not covered.
 
4.  An insurer's ability to pay claims can be evaluated by the track record of "Financial Strength" it has been assigned by reputable rating agencies.

5.  Unrated insurers may aggressively promote their rated reinsurance but the important factor is if you will be provided a "Cut-Through Endorsement."

Your decision of Insurer and Coverage's may have a "Costly Long Term Effect" on your general liability insurance choices and rates in the future.

>>Important links are provided at the bottom of the page to provide you with insight about markets, coverage's and exposures - please use them.
 
The examples of Liability Rates are "ISO Occurrence" general liability insurance policies and A.M. Best rated "Excellent" Insurance Companies: