General liability, workers compensation, commercial auto, tools and bonds — placed by an independent brokerage that is itself a California Disabled Veteran Business Enterprise.
All trades · Certificates and additional insured endorsements turned around quickly
Most contractors do not buy insurance because they want it. They buy it because a general contractor, a property manager, a homeowner or the license board asked for a certificate before work could start.
So the certificate is the deliverable, not the policy. We write the coverage, and we turn certificates and additional insured endorsements around fast, because a crew that cannot get through the gate on Monday morning is costing you the week.
The agency is a California certified Disabled Veteran Business Enterprise, #2045250, and a Small Business. If you are bidding public works in California, you already know what that participation requirement looks like on a solicitation.
The owner is also a licensed California contractor, CSLB #941548 (C-7), so the regulatory side of your trade is not something that gets looked up after you call. CSLB filings, license and qualifying-individual bonds, classification codes, certificate wording and workers compensation audits are the same paperwork this agency deals with on its own license.
Third-party bodily injury and property damage arising out of your work. This is the policy most contracts require before you set foot on the site. Watch the prior and subsequent work exclusions — they are the ones that quietly gut completed operations.
General Liability SupplementalRequired in California the moment you have an employee. Covers medical care and lost wages for work-related injury, and protects the business from the resulting liability. Rated on payroll by class code, then audited.
Workers' Comp Supplemental ApplicationTrucks and vans carrying crews, tools and materials. Business use is generally excluded on a personal auto policy, which is discovered after the accident rather than before it.
Commercial Auto ApplicationInland marine coverage for the tools in your truck and the equipment on the job, including items stolen from a locked vehicle or an unfinished site.
Tools and Equipment ScheduleCSLB license bonds and qualifying individual bonds, plus bid, performance and payment bonds when a project requires them.
License and Surety Bond QuestionnaireAdditional limits above your general liability and auto policies, commonly required the moment you move up to larger commercial or public work.
Umbrella and Excess Liability SupplementalContractors get non-renewed and overcharged because of how they were classified, not because of anything they did. A lift installer written as a general contractor, a handyman written as a roofer, a specialty trade forced into a catch-all code — the premium and the appetite both follow the class code.
We look at what you actually do, in your own words, before the submission goes out. If your last carrier walked away, the classification is the first place we look.
Send us the contract language or the sample certificate the general contractor handed you, and we will tell you what the requirement actually calls for before you agree to it. Requirements that look identical frequently are not — primary and non-contributory, waiver of subrogation, and completed operations additional insured status are three separate asks, and only some carriers will grant all three.
General contractors, remodelers, framing, concrete, roofing, plumbing, electrical, HVAC, landscaping, painting, drywall, flooring, solar, low voltage, handyman and specialty trades.
If you hold licenses in more than one state, or you are chasing work outside California, Always Faithful is licensed to place commercial business in the following states.
Fill out the form for this coverage and email it back. That is all we need to start your quote.
Your trade, work mix, subcontractors, contracts and claims: what every GL carrier asks first.
Download the FormHiring, safety, vehicles, operations and subcontractor questions for contractors' workers' compensation.
Download the FormList your equipment, serial numbers and values, small tools and how everything is secured.
Download the FormCSLB license bonds, plus bid, performance and payment bonds with a work-in-progress schedule.
Download the FormYour underlying policies and exposures, for personal or business umbrella limits.
Download the FormCurrent clients: request a certificate, additional insured or waiver of subrogation for a job.
Download the FormHow we protect your information: Privacy Notice.
Need several coverages at once? Use our full insurance request form, or see all insurance forms. Questions? Call 650-489-2592.
Insurance for licensed California contractors from an independent, veteran-owned agency in Temecula. General liability, workers compensation, commercial auto, tools and equipment, and contractor bonds, shopped across multiple carriers. Call 650-489-2592.
Covers bodily injury and property damage to others arising from your work, including completed operations after the job is finished. We shop admitted and surplus lines carriers on the same submission, including trades and job histories the standard market turns down.
Required in California as soon as you have an employee, and required by most general contractors before you step on a job site. Options include pay-as-you-go workers compensation that bills against your actual payroll, which keeps the year-end audit from turning into a surprise bill.
Applying for workers' compensation? Download our Workers' Comp Supplemental Application, a fillable PDF you can complete on a computer, phone or tablet and email back with your application.
Work trucks, vans and trailers used in the business, plus hired and non-owned auto for employees who drive their own vehicles to jobs. More on commercial auto and fleet coverage.
Inland marine coverage for tools, equipment and materials on the truck, at the job site or in storage. A general liability policy does not cover your own tools.
CSLB contractor license bonds, qualifying individual bonds, LLC employee/worker bonds, and bid, performance and payment bonds. More on CSLB license bonds and bid, performance and payment bonds.
General contractors, property managers and public agencies will not let you start until they have a certificate of insurance that matches their contract. We turn certificates around fast and add the endorsements contracts ask for: additional insured including completed operations, waiver of subrogation, and primary and noncontributory wording.
Your CSLB license classification, years in business, how much work you subcontract and whether your subcontractors carry their own insurance, residential versus commercial work, new construction versus remodel and repair, payroll by job type, and five years of loss runs. Having these ready gets a faster and more accurate quote.
Prior non-renewals, a lapse in coverage, brand-new businesses, higher-hazard trades and contractors a carrier reclassified are all worth a call. An independent broker can take the same file to more than one market instead of stopping at the first no.
We are not tied to a single insurance company. We work with multiple A-rated carriers and place each client with the one that fits the risk, rather than fitting the client to the only product on the shelf.
Also from this agency: personal auto insurance and homeowners insurance for you and your household.
Always Faithful Insurance Agency is licensed to place business in the following states:
California (Lic. #4476212), Arizona (Lic. #21686200), Colorado (Lic. #931002), Florida (Lic. #G308768), Georgia (Lic. #3885235), Idaho (Lic. #21686200), Illinois (Lic. #21686200), Kansas (Lic. #21686200), Michigan (NPN #21686200), Nevada (Lic. #4185263 and #4185449), New Jersey (Lic. #3004117893), New York (Lic. #1963685), Oklahoma (Lic. #3004120365), Oregon (Lic. #21686200), Pennsylvania (Lic. #1302972), Tennessee (Lic. #3004115452), Texas (Lic. #3441028), Utah (Lic. #1104790), Virginia (Lic. #1572794), Washington (Lic. #1351740), Wisconsin (Lic. #21686200).
California Property and Casualty Broker License #4476212. National Producer Number 21686200. Licensed in 21 states. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.
The owner is also a licensed California contractor, CSLB #941548 (C-7). For contractor clients that means CSLB filings, license and qualifying-individual bonds, classification codes, certificate wording and workers compensation audits are the same paperwork this agency deals with on its own license.
Call 650-489-2592 or email support@semperfiservicesolutions.com. Temecula, California. Monday to Saturday, 8AM to 5PM.
Home · Personal Auto · Homeowners · Commercial Auto · Contractors · Bonds
Coverage descriptions on this site are general.
Insurance agencies and MGAs: we also offer agency compliance and project management consulting.
Every California license must have either a certificate of workers' compensation or an exemption on file with CSLB, and roofing (C-39) contractors must carry it regardless of employees. State law is moving toward requiring it for all licensees, and the effective date has been pushed back, so ask us where it stands for your license class.
No. General liability covers injury and property damage to others. Your own tools, equipment and materials need inland marine coverage. List them on the Tools and Equipment Schedule.
Current clients can send the Certificate of Insurance Request with the job and certificate holder details, and we turn it around fast.
Premium is billed against your actual payroll each pay period instead of an estimate, so the year-end audit does not turn into a surprise bill.
Yes. We submit to admitted and surplus lines carriers on the same application, including trades and job histories the standard market turns down.