CCIS Blog

California updated its Workers’ Compensation insurance requirements for all contractors a few years ago with Senate Bill 216, with a deadline of January 1, 2026. The deadline was later extended to January 1, 2028, under Senate Bill 1455. In this guide, we will explain both bills, discuss the impact on California contractors regarding Workers’ Compensation and licensing, highlight the importance of carrying Workers’ Comp, explain how to obtain the right coverage, including a Gho Continue Reading...

If you’re a contractor, small business owner, or trades professional, having a certificate of insurance (COI) on hand is often essential for landing new clients, securing permits, or working with subcontractors. But how do you get a certificate of insurance, and what’s involved in the process? We’ll walk you through the step-by-step process of obtaining a COI, including what information or documents you’ll need to provide, how quickly you can expect to receive your certif Continue Reading...

Contractors are required to obtain a Contractor Bond as a form of financial guarantee to protect clients and the public. The bond ensures contractors will fulfill their legal and contractual obligations on projects. Whether you’re new to the industry or want to understand your responsibilities, this guide will review what a Contractor Bond is, why it’s required in most states, and how it works to safeguard everyone involved. You’ll also learn about the different types of Con Continue Reading...

The U.S. Small Business Administration’s Surety Bond Guarantee (SBG) Program is designed to help small and emerging contractors secure the surety bonds they need to compete for public and private projects. Many small businesses struggle to qualify for traditional bonding due to their limited financial history or lack of experience. The SBG Program offers a valuable solution by partnering with approved surety companies to guarantee a portion of the bond. In this article, we’ll expl Continue Reading...

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...