Contractor Insurance
Contractor insurance built for San Diego & Southern California.
From a single general-liability policy to a complete risk program, Focus West places the coverage contractors actually need — and issues the certificates that keep your crews working. Independent, carrier-neutral, and fast when a job can't wait.
Serving San Diego, Orange County, Riverside County & San Bernardino County.
Coverage
Every line a contractor needs, under one broker.
We market your account to the carriers and programs that fit your trade — so you get the right coverage at the right price, not whatever one company happens to sell.
General Liability
Third-party bodily injury, property damage, and the contract and additional-insured requirements your GCs and clients demand.
Workers' Compensation
California-compliant coverage, experience-mod review, payroll classification, and clean audits.
Builders Risk
Course-of-construction protection for your projects, materials, and work in progress.
Tools & Equipment
Inland marine coverage for the tools, equipment, and gear that keep your jobs moving.
Commercial Auto
Trucks, trailers, and fleets — owned, hired, and non-owned, with the filings you need.
Excess & Umbrella
Higher limits to meet contract requirements and protect the business from a large loss.
Bid & Performance Bonds
Bid, performance, payment, and license bonds to keep projects and contracts on track.
Pollution & Professional
Contractors pollution and professional liability for design-build and specialty exposures.
Why contractors choose Focus West
Built for the pace of a job site.
Certificates in under an hour
We strive to turn certificates of insurance in under an hour during business hours — and we're reachable for emergency certificates when a contract can't wait.
Contract & COI review
We read the insurance requirements in your contracts and make sure your coverage and additional-insured language actually match.
Real market access
As an independent brokerage we shop multiple carriers, wholesalers, and programs built specifically for the trades — not a single company's appetite.
Trades we write
From plumbing to paving — and just about everything between.
A sample of the trades we place coverage for. Don't see yours? We write virtually any class of contractor.
Where we work
Serving contractors across four Southern California counties.
San Diego County
San Diego, Chula Vista, Oceanside, Carlsbad, El Cajon, and the greater metro.
Orange County
Anaheim, Santa Ana, Irvine, Huntington Beach, and surrounding cities.
Riverside County
Riverside, Corona, Moreno Valley, Temecula, and the Inland Empire.
San Bernardino County
San Bernardino, Ontario, Rancho Cucamonga, Fontana, and the High Desert.
Get a contractor quick quote.
Answer a few quick questions about your trade and operations, and a Focus West advisor will follow up with a tailored quote. Need it faster? Call us.
Questions
Contractor insurance, answered
What areas do you write contractor insurance in?
We serve contractors across San Diego County, Orange County, Riverside County, and San Bernardino County — including the greater San Diego area, Anaheim and Irvine, Riverside and Corona, and the Inland Empire.
How fast can I get a certificate of insurance?
We strive to issue certificates of insurance in under an hour during business hours — and we're reachable for emergency or after-hours certificates when a job or contract can't wait.
Do you write workers' compensation for contractors in California?
Yes. We place California-compliant workers' compensation for contractors, review your experience modification factor, and help keep audits clean and payroll classified correctly.
What trades do you cover?
Virtually any trade — including plumbing, electrical, HVAC, concrete, framing, roofing, drywall, painting, landscaping, paving, masonry, and many more. If you don't see your trade, just ask.
Can you help with bid and performance bonds?
Yes. We arrange bid, performance, payment, and license bonds so your projects and contracts keep moving.
How do I get a contractor quote?
Use our contractor quick quote tool — answer a few questions about your trade and operations and a Focus West advisor follows up. You can also call (714) 988-3863.
Coverage availability, terms, limits, and eligibility vary by carrier, underwriting, and state requirements. This page is informational only and is not an offer of insurance. Certificate turnaround times are a goal, not a guarantee, and depend on carrier and policy specifics.