
Contractor General Liability Cost in California (2026)
September 28, 2026
California contractor general liability starts at published minimums of $350 to $500 a year for $1M/$2M. What sets your price and what taxes add.
Read guideTell us what you need to protect. We shop top carriers to find the right coverage at the right price.

A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
Menlo compares coverage from standard and specialty insurers, then places each risk with the carrier that fits it best. You get real options without shopping every market yourself.

We take one set of details to the carriers that match your business, including specialty markets when a standard policy is not enough.
We compare coverage terms, exclusions, and carrier appetite alongside premium before recommending where to place the policy.
A licensed Menlo broker helps you compare the options, bind coverage, and handle certificates or policy changes after purchase.

September 28, 2026
California contractor general liability starts at published minimums of $350 to $500 a year for $1M/$2M. What sets your price and what taxes add.
Read guideWe work for you, not for a carrier. We take one set of answers about your business, shop it across the markets we are appointed with, and bring the options back side by side. If a carrier stops insuring your risk or you want to switch carriers, we’ll handle that for you.
No. We are paid a commission by the carrier that writes the policy, and that commission is built into the premium whether you use a broker or not. If a placement ever requires a broker fee, you see the amount in writing before anything is bound.
That is the normal starting point for surplus lines. When a standard carrier will not write a risk, we take it to the excess and surplus market, which is priced and worded for exactly that situation. Tell us why you were declined and we will tell you honestly whether we can place it.
Fill in one short form or call us. No broker fees.