CCIS Blog

If you’re a contractor, small business owner, or license applicant, you typically must get a surety bond. But you might be wondering: Does obtaining a surety bond affect your personal or business credit? The short answer: Typically, it’s a soft check, but it may impact your credit, depending on the type of bond, your provider, and how your application is structured. In this article, we’ll break down the types of surety bonds contractors need, when and how a surety bond can i Continue Reading...

Navigating general contractor insurance requirements can be confusing, particularly with varying rules set by state laws, differing project owner requirements, and industry standards. As a contractor, understanding exactly what coverage you need, such as General Liability, Workers’ Compensation, and Commercial Auto, is essential for protecting your business, staying compliant, and winning new projects. We break down the core insurance policies general contractors are typically required Continue Reading...

Understanding the scope of work permitted under a Class B contractor license is essential for general contractors, business owners, and subcontractors seeking clarity on project eligibility and legal boundaries. In the following article, we’ll explain the definition of a Class B contractor, break down what types of construction activities are allowed (and not allowed), and compare Class B to Class A and Class C licenses. We’ll also walk through common misconceptions, licensing req Continue Reading...

In looking to get the right insurance to protect your construction business, you may come across the terms “Professional Liability insurance” and “Errors and Omissions (E&O) insurance.” You may ask yourself, “What’s the difference?” For contractors, it’s essential to understand that these two terms refer to the same type of coverage and there is no practical difference between them. The distinction is primarily one of terminology, with diffe Continue Reading...

Choosing the right small business insurance is a crucial step for contractors looking to protect their livelihood and take on more projects with confidence. Whether you’re just starting out as a new business owner or you’re an experienced contractor expanding your operations in the Western U.S., understanding the fundamentals of contractor insurance can help you avoid costly mistakes and ensure you’re fully covered. This guide will highlight the most important types of cover Continue Reading...