When requesting a quote, identify whether crews do residential height work or excavation, and give the broker each trade, site, project phase, and employee role. OSHA guidance describes hazards, not insurance coverage.[6][7][1]
Read the Construction Insurance Buying Guide
Sources and Further Reading
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024; Commercial General Liability, Commercial Property, Inland Marine, and Workers Compensation sections
- Issuing My License — California Contractors State License Board. Active/inactive license status; workers’ compensation proof and exemption sections
Check California CSLB workers’ compensation filings against the license status and trade classification.
- How do I find the right licensed contractor? — California Contractors State License Board. Learn about contractor bonds; Contractor License Bonds and Contract Bonds
Compare CSLB’s descriptions of contractor license bonds and project contract bonds.
- Lines of Insurance — California Department of Insurance. Commercial Inland Marine Insurance; builders risk listed as an example
CDI lists builders risk as a commercial inland-marine example; the page does not explain policy terms.
- Surety Bonds — U.S. Small Business Administration. Contract and commercial bond distinction; bid, payment, performance, and ancillary categories; program eligibility
Review the SBA’s bid, performance, payment, and ancillary bond categories and current program criteria.
- Fall Protection in Residential Construction — U.S. Department of Labor, Occupational Safety and Health Administration. Executive Summary and Introduction; residential work, six-foot context, and state-plan caveat
Residential work-at-height safety context; state plans may add requirements.
- Construction: Trenching and Excavation — U.S. Department of Labor, Occupational Safety and Health Administration. Opening section; cave-in, equipment, falling-load, and nearby public-traffic hazards
Excavation hazard context for describing job operations, not insurance response.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and jurisdiction-specific requirements determine what applies to a particular business.
Updated 2026-09-28. Editorial Policy
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