Client: A Southern California painting contractor · Coverage: General Liability + Commercial Auto with project endorsements; $25,000 CA contractor license bond · Status: Bound
The problem
To start work on a general contractor's project, the painter needed GL and auto policies with additional insured, primary & noncontributory, waiver of subrogation and per-project aggregate wording for the GC, architect and owners. A $25,000 California contractor bond was also required.
How Pierce helped
- Bound general liability and commercial auto on the same day
- Put every contract-required endorsement on both policies: AI (ongoing and completed ops), primary & noncontributory, waiver of subrogation, and designated construction project aggregate
- Submitted the $25,000 contractor bond to a surety and got approval with 1-, 2- and 3-year term options
- Looked into payment options for the bond premium at the client's request
The result
Both policies were bound and active 05/20/2026, with binders and endorsements ready to forward to the GC. The $25,000 bond was approved, starting at $1,822 for one year.
Why it worked
Matching the endorsements to the GC's contract language at binding meant the contractor's paperwork was accepted on the first submission.
Related coverage
Painting Contractor Insurance · Contractors Insurance in California · General Liability Insurance · Commercial Auto Insurance · Contractor License & Surety Bonds · Request a Certificate of Insurance
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Client names and identifying details are withheld for privacy. This story is based on an actual account handled by our agency, as documented in our files. Coverage, pricing and results for your business depend on your own details.