Specialized coverage for construction professionals across CA, NV, TX, AZ, OR, CO & WA
Hardhat Insurance helps contractors, construction companies, and skilled tradesmen find the right insurance coverage to protect their business, employees, and projects. We specialize exclusively in construction‑related risks and work with multiple top‑rated carriers to match you with coverage that fits your trade, job size, and state requirements.
Insurance services provided by Bearstar Insurance Services.
Representative: Jesus Galvan, Licensed Insurance Broker
Insurance Solutions for the Construction Industry
Contractors face unique risks—jobsite injuries, property damage, contract requirements, and strict state regulations. Generic insurance doesn’t cut it. That’s why Hardhat Insurance focuses only on construction and trades.
We help contractors across the Western United States secure coverage that meets:
State licensing requirements
Contract and certificate requirements
Project‑specific insurance needs
Budget and risk tolerance
Can I Get a Certificate in 15 Minutes?
Yes. We know that if you can't produce a Certificate of Insurance (COI), you don't get paid and you don't get on the job site. That is why most our COI requests get handled within 30 minutes.
I Need Coverage Now, Can I Get My Certificate Now?
Yes. We Know Time is Money.
We utilize advanced digital quoting tools to bind policies and issue Certificates of Insurance (COI) in minutes, not days.
Types of Contractor Insurance We Offer
General Liability Insurance
Protects against third‑party bodily injury, property damage, and completed operations claims—often required to obtain or renew a contractor’s license.
Workers’ Compensation Insurance
Covers employee injuries and workplace accidents while helping you stay compliant with state labor laws.
Commercial Auto Insurance
Coverage for trucks, vans, and company vehicles used for business operations.
Builder’s Risk Insurance
Protects structures and materials during construction, renovation, or remodeling projects.
Professional Liability (Errors & Omissions)
Coverage for claims related to design errors, professional advice, or services.
Contractor Bonds
License bonds and project‑specific bonds, where available, to meet state and contractual obligations.
Coverage availability varies by state and carrier underwriting guidelines.
Want to Learn More About a Coverage?
A quick guide to the coverages contractors need most. Click any card for details.
General Liability
Covers third-party bodily injury and property damage caused by your work, including completed operations. Required for most contracts and licenses.
Workers’ Compensation
Pays medical bills and lost wages when an employee is hurt on the job. Required in most states once you hire, including high-risk trades.
Surety Bonds
License, permit, bid and performance bonds that guarantee you’ll meet your obligations to the state or project owner.
Commercial Auto
Liability and physical damage coverage for work trucks, vans, trailers and the employees who drive them.
Builders Risk
Protects the structure, materials and supplies while a project is under construction, against fire, theft, wind and vandalism.
Tools & Equipment
Inland marine coverage for tools, equipment and machinery on the jobsite, in transit or in storage.
Excess & Umbrella
Extra liability limits above your GL, auto and employer’s liability, often needed to qualify for bigger contracts.
Industries We Serve
We work with a wide range of construction professionals, including:
General Contractors
Electricians
Plumbers
HVAC Contractors
Concrete & Masonry
Framers & Carpenters
Painters & Finish Trades
If you work in construction or the trades, we can help assess your risk and coverage options.
By state: Oregon roofing, Washington roofing, Nevada roofing, Oregon excavation, Washington excavation and Nevada excavation.
Serving Contractors Across the Western United States
Hardhat Insurance works with contractors operating in:
California • Nevada • Texas • Arizona • Oregon • Colorado • Washington
We understand the differences in licensing, insurance requirements, and jobsite risks across these states and help ensure your coverage aligns with local regulations.
Why Contractors Choose Hardhat Insurance
✔ Construction‑focused expertise
✔ Access to multiple insurance carriers
✔ Clear guidance on coverage requirements
✔ Fast certificates of insurance
✔ Personalized, one‑on‑one service
You’ll work directly with a licensed broker who understands construction—not a call center or generic insurance platform.
Schedule a Contractor Insurance Consultation
Speak with a licensed broker who understands construction risks
Book a free consultation to review your business, current coverage (if any), and insurance requirements. We’ll help you identify gaps, compare options, and determine the best path forward—no pressure, just professional guidance.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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