Irvine Contractor Insurance — Local, Same-Day, Irvine-Company Ready
We're a local insurance brokerage based at 65 Enterprise in Aliso Viejo — about 8 miles from central Irvine. We place general liability, workers comp, bonds, builders risk, and commercial auto for Irvine GCs and subs every week. Irvine Company pre-qualified, UCI / Hoag / Kaiser ready, and same-day COIs when your project moved up.
What Irvine Construction Actually Requires
Irvine is unlike any other Orange County market. Here's what makes contractor insurance harder here — and how we handle it.
Irvine Company Pre-Qualification
The Irvine Company controls a large share of the city's commercial property and enforces some of the strictest contractor pre-qualification standards in California — typically $2M+ general liability, robust workers comp, and named additional-insured language. We've placed coverage that satisfies their criteria for hundreds of subs and GCs across Spectrum, Business Complex, and the Great Park.
UCI Medical & Research Facility Work
UC Irvine Medical Center, Hoag, and the broader Irvine biotech corridor demand specialized endorsements — clean-room exposures, biological and infectious materials handling, occupied-facility protocols. We coordinate carrier relationships with insurers experienced in healthcare and life-sciences contractor risks.
Master-Planned HOA Verification
Woodbridge, Northwood, Turtle Rock, Quail Hill, Portola Springs, Cypress Village — each master-planned community runs automated insurance-verification systems that auto-reject non-compliant policies. We make sure your COIs match what these HOAs actually accept, with proper additional-insured wording and waiver-of-subrogation endorsements where required.
Tech Campus Build-Outs
Fortune 500 tenants in Irvine — Blizzard, Broadcom, Edwards Lifesciences, and dozens more — push their own insurance riders down through GCs to subs. We structure tower coverage that lines up with these enterprise insurance requirements without forcing you into duplicative or inflated limits.
Coverage Types for Irvine Contractors
Most Irvinecontractors carry some combination of these six. We bundle them so your policies don't fight each other and your premiums make sense.
Frequently Asked: Irvine Contractor Insurance
The questions Irvine GCs and subs ask us most often.
How much general liability insurance do I need for Irvine projects?
Most Irvine work requires $1M per occurrence and $2M aggregate as a starting point. Irvine Company projects, UCI and Hoag facility work, and Fortune 500 tenant build-outs typically require $5M aggregate, often with named-insured and waiver-of-subrogation endorsements. We tailor limits to the actual contracts you're chasing — not a one-size-fits-all package.
Are you the same as my current insurance broker, just closer?
We're an independent brokerage focused exclusively on California contractor risks, headquartered at 65 Enterprise in Aliso Viejo — about 8 miles from central Irvine. That proximity matters for two reasons: we understand the local pre-qualification systems (Irvine Company, UCI, Kaiser Irvine, master-planned HOAs), and we can deliver in-person service when something has to happen now.
Can you get me a same-day certificate for an Irvine project starting tomorrow?
Yes, for existing clients in good standing. We issue COIs the same business day, often within hours. New clients can typically be bound within 24-48 hours depending on carrier underwriting and any required additional-insured endorsements. If your project starts at the Spectrum or Business Complex Friday at 7 AM, we make it happen.
What if my CSLB license is in OIGCP Inc but my GBP says Construction Pros?
We work with our clients' actual licensed entity. California requires the policy to name the licensed contractor exactly as filed with CSLB. If your operating brand differs from your CSLB name, we structure named-insured and DBA endorsements so your policy is enforceable and your COIs satisfy GCs and project owners.
Do you only serve Irvine, or all of Orange County?
We serve all of Orange County and beyond — California, Nevada, Texas, and Arizona — but Irvine is one of our densest markets because of how close it is to our Aliso Viejo office. We have dedicated pages for Newport Beach, Costa Mesa, Aliso Viejo, and the broader OC market on this site.
Also Serving Nearby Orange County Cities
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