What are the mandatory COI insurance limits for a General Contractor / Commercial Builder in California?

Standard general contractors and commercial projects in California require $1,000,000 per occurrence, $2,000,000 general aggregate, and $5,000,000 umbrella coverage per California Contractors State License Board (CSLB) guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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General Contractor / Commercial Builder COI Requirements in California

Verified compliance checklist for subcontractors operating in California under California Contractors State License Board (CSLB).

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$5,000,000
Workers' Compensation	Mandatory for all workers & specific trades (SB 216 roofing/concrete)
Regulatory Oversight	California Contractors State License Board (CSLB)

Mandatory High-Risk Endorsements

Subcontractors in General Contractor / Commercial Builder are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Action Over Exclusion Removed🛡️ Blanket Additional Insured CG 20 10 & CG 20 37🛡️ Per Project Aggregate CG 25 03

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