Construction Insurance
When it comes to construction, managing risk effectively can mean higher profits, lower operating costs, and capital that works harder and smarter for you. Construction insurance policies can provide coverage for employees, natural disasters, material, risks, injuries, and even your own business. The right construction insurance policy, crafted specifically for your business, can provide all of this as well as peace of mind whilst simultaneously getting the job done.
Lions & Coventry Insurance Services provides insurance to construction businesses in Loomis, Roseville, Sacramento, Folsom, Orangevale, Fair Oaks, and surrounding areas.
Lions & Coventry Insurance Services coverage options for construction businesses include (but are not limited to):
- Liability Insurance
- Commercial Property Insurance
- Business Vehicle Insurance
- Workers’ Compensation
- And much more …
Contact a Construction Insurance specialist at Lions & Coventry Insurance Services today to go over these options and we will create the right policy for you!
Available Coverages
-
Contractors Insurance As a contractor, while you get the job done, you face a lot of risks while doing it…READ_MORE
-
Builders Risk Insurance Builder's risk insurance is a policy designed to mitigate the chance of loss and protect you in…READ_MORE
-
Contractor Vehicle Insurance If you're one of the growing numbers of contractors who use vehicles during a job—not just to…READ_MORE
-
Equipment Insurance Any business that relies on common or specialized forms of equipment understands that you can’t work successfully without…READ_MORE
-
Mechanical Breakdown Insurance Mechanical Breakdown Insurance (MBI) is coverage that essentially pays for mechanical repairs unrelated to an accident. Mechanical…READ_MORE
-
Specialty Trade Contractors Insurance Whether your specialty is pouring concrete, site-prep, plumbing or painting, a Specialty Trade Contractors Insurance policy…READ_MORE
-
Handyman Insurance As a handyman, you are responsible for fixing…well, pretty much anything, and never really know what challenges you…READ_MORE
-
Commercial Auto Insurance The vehicles you use for your business and the employees who drive them are both extremely valuable,…READ_MORE
See also construction insurance in Sacramento and our guide to contractor certificates, additional insured, and class codes.
Local construction pages: Sacramento construction insurance · Insurance in Loomis, CA · Certificates & additional insured guide
California contractor FAQ: CSLB bonds, certificates, and class codes
Educational summary for Sacramento-area contractors — not legal advice. Confirm current rules with CSLB and your contracts.
What is the CSLB contractor license bond?
California requires a Contractor’s Bond before CSLB can issue, reactivate, or renew an active license (Business and Professions Code §7071.6). Effective January 1, 2023 (SB 607), the contractor license bond amount increased to $25,000 for many license situations. The bond is written by a CDI-licensed surety on an approved form and protects consumers and unpaid employees within the bond’s terms — it is not the same as general liability insurance. Source: CSLB Bond Requirements.
Do contractors need workers compensation?
Workers compensation is a core compliance and bid requirement for most California contractors with employees (and CSLB has specific paths for exemptions that are easy to get wrong). Class codes and payroll estimates drive premium; an audit that finds misclassified payroll can surprise you mid-year. For the September 1, 2026 advisory benchmark context, see our note on WCIRB pure premium / dual-wage changes.
What is a certificate of insurance (COI)?
A COI is evidence of insurance on a specific date — usually an ACORD certificate naming the certificate holder. It does not by itself change the policy. Owners and GCs often also require endorsements (additional insured, primary/noncontributory, waiver of subrogation) that must exist on the policy, not just in an email.
CG 20 10 vs CG 20 37 — plain English
These are common ISO additional insured endorsement form numbers you will see in contracts. In broad educational terms: CG 20 10 is often associated with ongoing operations (work in progress), while CG 20 37 is often associated with completed operations (after the work is done). Contract language and edition dates matter; the wrong form (or an outdated edition) is a frequent reason a GC rejects a cert. This is not a legal interpretation of your specific policy — send us the contract exhibit and we match wording the carrier will actually endorse.
Why do class codes and payroll accuracy matter?
Workers comp and some liability pricing depend on how work is classified and how payroll is allocated. “Handyman” on the application and roofing in the field is how audits and claim fights start. Tell us the real mix — residential remodel, TI, new commercial, roofing percentage — before bind.
Can Lions & Coventry issue same-day certificates?
Certificate and additional-insured requests are handled from our Citrus Heights office. When the policy already supports the requested wording, we treat a GC holding payment over a cert as a same-day problem when possible — not a ticket in a national queue. Complex new endorsements still need carrier turnaround.
Same-day certificate / Additional Insured requests
Owners and GCs who are holding payment over a cert are a same-day problem when the policy already supports the requested wording. New endorsements still need carrier turnaround. Send what we need so the certificate matches the contract:
- Named insured exactly as it appears on the policy
- Certificate holder name and mailing address
- Additional Insured wording from the contract exhibit (ongoing ops / completed ops, primary and noncontributory, waiver of subrogation if required)
- Job / project address and any project name or number
- Email address where the certificate should be sent
Call (916) 967-7715
Contact form
Citrus Heights office: 7816 Uplands Way, Ste C, Citrus Heights, CA 95610. License #0G22084. Printable checklist: California contractors COI & Additional Insured checklist.
Recent local notes: WCIRB September 2026 benchmark · Gann Fire commercial property moratorium · Zone 0 builders risk
Trade landers: Roofing contractors insurance — Sacramento · Electrical contractors insurance — Sacramento · Plumbing contractors insurance — Sacramento · HVAC contractors insurance — Sacramento · Concrete contractors insurance — Sacramento
Trade landers: Roofing contractors insurance — Sacramento · Electrical contractors insurance — Sacramento · Plumbing contractors insurance — Sacramento · HVAC contractors insurance — Sacramento · Concrete contractors insurance — Sacramento
Lead magnet: California contractors COI & Additional Insured checklist — printable list of what to send for certificates, AI wording, primary/noncontributory, and waivers.
Local + convert: Citrus Heights office · Contact / quote · (916) 967-7715
How to request a contractor certificate of insurance (COI)
Educational steps for Sacramento-area contractors. A certificate is evidence of coverage on a date — it does not create endorsements by itself. Send the contract exhibit when Additional Insured wording is required.
- Confirm the named insured matches the policy exactly (legal entity name, not a DBA shortcut).
- Collect the certificate holder name and mailing address from the GC or owner.
- Copy the Additional Insured exhibit — ongoing ops / completed ops, primary and noncontributory, waiver of subrogation if required.
- Add the job or project address (and project name/number if the GC uses one).
- Tell us where to email the certificate and whether you need a rush same-day turn when the policy already supports the wording.
Printable companion: California contractors COI & Additional Insured checklist. Call (916) 967-7715 or use the contact form.
OCIP / CCIP wrap-ups: what Sacramento contractors should check
Owner-controlled (OCIP) and contractor-controlled (CCIP) wrap-ups put some coverages on the project. They do not automatically replace every line on your own program. Brokerage guidance — not legal advice.
What is an OCIP or CCIP?
An OCIP is usually bought by the project owner; a CCIP by the GC. Enrolled trades may get project GL and sometimes workers compensation through the wrap. Enrollment rules, payroll reporting, and excluded lines vary by project.
Does a wrap replace my own GL and workers comp?
Often no. Many wraps cover on-site operations for enrolled scopes only. Off-site work, your yard, commercial auto, tools, and some completed-operations questions still sit on your own policies. Ask for the wrap manual before you drop coverage.
What paperwork do GCs still ask for on wrap jobs?
Expect enrollment forms, payroll / man-hour reporting, safety acknowledgments, and sometimes certificates for lines the wrap excludes (auto, excess, professional). Wrong enrollment is a common reason payment is held.
How does Civil Code / hold-harmless language interact with wrap-ups?
California construction contracts often include indemnity and additional-insured demands that still matter even when a wrap is in play. We read the exhibit against what your carrier will actually endorse — including when the wrap is primary for on-site GL.
Related: COI & AI checklist · Concrete contractors insurance Sacramento · Construction insurance Sacramento.
CG 20 10 vs CG 20 37 — quick comparison (no premiums)
Educational only. Edition dates and exact ISO form text matter; GCs reject certificates when the wrong form or an outdated edition is scheduled. We match what the carrier will actually endorse — send the contract exhibit.
| Topic | Often discussed as CG 20 10 | Often discussed as CG 20 37 |
|---|---|---|
| When it usually applies | Ongoing operations — work still in progress on the job | Completed operations — after the work is finished / put to its intended use |
| Why GCs ask for it | Protects the upstream party while you are actively on site | Protects the upstream party for claims that show up after you leave the site |
| Common cert failure | Only listing “Additional Insured” on the COI without the ongoing-ops endorsement on the policy | Having ongoing ops but missing completed-ops AI when the subcontract requires both |
| What to send us | Contract exhibit + job address + holder legal name | Same packet — call out completed-ops / “products-completed” wording explicitly |
Related: COI & Additional Insured checklist · Sacramento construction insurance. Call (916) 967-7715. License #0G22084.