Home Improvement Contractor Insurance & California Contractor Bonds: What You Need To Know

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Home Improvement Contractor Insurance & California Contractor Bonds: What You Need To Know

By Zuma Insurance Services | April 11, 2018

Home improvement contractor insurance

Choosing The Right Home Improvement Contractor Insurance

Keeping up home maintenance is hard, and oftentimes expensive. In many cases, homeowners try to get around the expense by trying to do the job themselves or by getting someone who is willing to work for less than a licensed, insured and bonded contractor. While this may seem like a good idea at the time, in the long run, it can make things worse, especially if jobs are left half done, valuable property is stolen, or if you’re without home improvement insurance. Eventually, most people realize the importance of these credentials and hire a professional with the right bonding and insurance. Zuma Insurance is a proud provider of contractor bonds in California.

What is a Contractor Bond?

Home improvement contractor insurance

When someone hires a contractor to do work on their home, they often look for recommendations of those who are “licensed and bonded.” But what does that mean, and why is it important? Being licensed, in short, it is an assurance that the person doing the contracted work, whether they are a plumber, an electrician, or building a new closet within the home, that they have the skills they need to do a quality job. Choosing someone with California contractors license bonds assures that they will follow through and do the job they are hired to do.

In California, contractor licenses and bonding information can be easily verified by checking the Department of Consumer Affairs Contractors State License Board (CSLB) and entering the contractor’s license number. They can also help homeowners find a contractor by searching a city or zip code.

Importance of California Contractors License Bonds

As a contractor business, you likely do what you can to assure that all your contractors are qualified and responsible enough to finish the job, and leave the customer happier than they were before you began the project. But despite background checks and thorough vetting of your employee’s skills and character, sometimes a job goes wrong. Customers look for contractors who are not only licensed and insured but who also have a contractor license bond in California. That will show the customer that there is a bonding company willing to stand behind the contractor and pay needed compensation in the event of missing work or belongings.

California contractors license bonds aren’t a replacement for properly training and vetting your employees, but it can add an important layer of protection to your liability insurance. If you have a contractor license bond, California homeowners will feel better about working with your business to get necessary work done on their home.

Home improvement contractor insurance

Choosing the Right Insurance and California Contractor Bond Policy

While many businesses, especially those on a budget look first to general liability insurance, it is important to look deeper if you expect to be truly protected. At Zuma, we strive to help you find the right policy. We will see to it that you have the California license bonds you need so that you and your customers both have the peace of mind you need to get the job done right by looking at all the factors that are most important to you including

  • Your Budget
  • Your Coverage Needs
  • Changes in Your Business

Whether you are just starting out with your contracting business, or have a long-standing history in your community, it is important to look at what is happening in your business periodically in order to be sure that your current needs are being met.


  • A California Contractor Bond goes beyond general liability insurance to make sure you are covered in case of unfinished work or theft
  • It is easy for customers to check licensing and bonding information for prospective contractors before work is done.
  • Evaluation of your business needs by the insurance professionals at Zuma can help you find the coverage and bonding support you need

At Zuma in Montebello, California, our agents are ready to walk you through the checklist for all of your construction and contractor insurance needs. Contact us to learn more about all we have to offer.