I.C Insurance Solutions is your dedicated Contractors Insurance Agency in El Dorado Hills, CA, offering trusted, tailored insurance coverage for construction professionals, tradespeople, and specialty contractors. With decades of experience and a deep understanding of industry risks, we empower local businesses with the protection they need to operate confidently and grow sustainably. Our El Dorado Hills clients rely on I.C Insurance Solutions for more than just policies—they depend on our expertise and personalized service, with a wide range of Contractors Insurance products designed to address the unique risks of working in construction, trades, and high-risk industries.
General Liability Insurance for Contractors
This foundational coverage protects your business from third-party claims involving bodily injury, property damage, and legal defense costs. Whether you’re working on residential builds or commercial sites, general liability insurance ensures you’re financially protected from unforeseen accidents on the job.
General Contractor Insurance Coverage
General contractors face wide-ranging liabilities due to their oversight of multiple subcontractors and phases of construction. We tailor coverage to include property damage, injury claims, contract-related exposures, and project-specific liabilities to help keep your business and reputation secure.
Sub Contractor Insurance
We provide flexible insurance options for independent subcontractors including electricians, plumbers, painters, and HVAC professionals. Coverage ensures protection from job-site risks, tools and equipment losses, and third-party injury claims.
Builders Risk and Course of Construction Insurance
This specialized policy protects materials, fixtures, and equipment used during construction or renovation. It covers damage caused by fire, theft, vandalism, weather, and more, ensuring your project stays financially on track—even when the unexpected happens.
Workers Comp & Employers Liability for Contractors
California law requires most contractors to carry workers’ comp. We help you stay compliant and protect your team by covering medical expenses, lost wages, and liability claims in the event of a workplace injury.
Commercial Auto Insurance for Contractors
From work trucks to fleets, your vehicles need reliable coverage. Our commercial auto policies include liability, collision, comprehensive, and uninsured motorist protection tailored for contractor vehicles.
Cyber & Management Liability Insurance
Contractors managing large projects or holding client data are increasingly exposed to cyber threats and executive risks. This coverage safeguards you from data breaches, cyberattacks, employee disputes, and mismanagement claims.
Liability Insurance for Oilfield & Energy, Marine & Environmental Contractors
These high-risk industries demand precision coverage. Our brokerage offers robust and compliant liability insurance to protect contractors from specialized risks including pollution, offshore work, and complex regulatory requirements.
At I.C Insurance Solutions, we combine industry-specific expertise with a commitment to trust and transparency, ensuring El Dorado Hills contractors receive best-in-class protection tailored to their operations.
Frequently Asked Questions
Why do contractors in El Dorado Hills need insurance coverage?
Insurance is essential to mitigate risks like accidents, property damage, or lawsuits that can jeopardize your business operations and finances.
Is workers comp insurance mandatory for contractors?
Yes, in California, employers are required by law to carry Workers Compensation Insurance for all employees.
Do you provide bonding services along with liability insurance?
Yes, we offer a full range of surety bonds to support licensing and project performance needs.
How can cyber insurance benefit my construction business?
If you handle sensitive data or digital communications, Cyber Liability Insurance protects you from data breaches, hacking, and related legal costs.
What sets I.C. Insurance Solutions apart from other agencies?
We focus solely on contractors, offering deep expertise, fast service, and custom plans built for your trade, project size, and risk level.