I’ve sat across from a lot of contractors. Some come in with a folder, a clipboard, and answers ready to go. Others are pulling numbers off the top of their head and texting their office manager mid-conversation. Both types get taken care of — but one of those appointments moves twice as fast and tends to land better coverage.

Here’s the thing: I’m not just shopping price for you. I’m building a picture of how your business actually operates so I can find the right fit, flag gaps you may not know you have, and make sure you’re not paying for coverage that doesn’t match what you do.

So before we sit down — whether you’re coming in for a fresh quote or a risk review — here’s what I’d love you to have on hand. Think of it as a short checklist, not homework.

1. 1Your current policy (or the dec pages)
   Even if you’re not happy with it — this tells me your current limits, carriers, expiration dates, and what’s already in place. No policy? Bring whatever you have from your last carrier.
2. Your contractor license number
   Your CA contractor license number (and any specialty license classifications). This affects what lines of coverage apply to you and how underwriters view your risk class.
3.  Gross revenue — past year + projected
   Last 12 months of revenue and your best estimate for the coming year. This directly drives General Liability premiums. Ball-park is fine — we can refine it together.
4. Payroll and number of employees (including subs)
   Your W-2 employee count, total payroll, and whether you use subcontractors regularly. Workers’ comp rating is built around this, and sub usage affects your GL exposure too.
5. Description of your work — be specific
   Not just “general contractor.” What types of jobs do you take? Residential remodels, commercial TI, concrete, underground utility, roofing? Any work above 3 stories? Any wildfire-prone areas? Details matter to underwriters.
6. List of equipment and tools
   Especially any high-value items, trailers, or equipment that leaves the job site. If you have serial numbers handy, even better — but a general list with approximate values works.
7. Vehicle info (if you want commercial auto)
   Year, make, model, VIN, and driver names for any business vehicles. Also note if employees drive personal vehicles for work — that’s a separate coverage conversation we should have.
8. Any prior claims in the last 3–5 years
   Carriers will pull this — so I’d rather know upfront. Include claims that were reported but didn’t pay out. Being forthright here keeps us ahead of the underwriting process.
9. Certificates or contracts requiring specific limits
   If a GC, municipality, or project owner requires you to carry certain limits or be added as an additional insured — bring that contract language. We’ll build coverage around it.

You built something. You show up to job sites before sunrise and manage more moving pieces than most people realize. The last thing you need is an insurance policy that doesn’t match the reality of how you operate. That’s exactly why I do this work — and why showing up prepared makes the whole process easy breezy.

When you’re ready, let’s talk.