Business Details
20 Years
experience
Affordable Contractor Insurance Solutions in Oceanside, CA
Craft Guard Insurance was founded in 2006 with a mission to address the unique insurance needs of contractors and small business owners. Our team brings firsthand contracting experience to the insurance industry, allowing us to understand and solve client challenges more effectively. We specialize in general liability, workers compensation, commercial auto, tools & equipment, and builders risk insurance, with a focus on affordability and rapid service. Our same-day certificate delivery ensures clients can meet project deadlines without insurance-related delays. With over 15 years of industry expertise, we combine competitive pricing with personalized support to protect both established contractors and emerging businesses.Our commitment to transparency means no hidden fees and clear explanations of coverage options. We operate with the philosophy that insurance should be a strategic asset rather than a burdensome requirement. Our staff maintains deep knowledge of state-specific regulations, particularly in California and Texas where we serve most clients. Through continuous client engagement, we refine policies to match evolving business needs while maintaining financial accessibility. This approach has earned us consistent positive feedback for reliability and exceptional customer service.
Services
General Liability
Workers Compensation
Commercial Auto
Tools & Equipment
License Bonds
Excess Liability
Builders Risk
Cannabis Insurance
Details
- Year established: 2006
Highlights and features
- 15+ years of contractor-specific insurance expertise
- Same-day certificate delivery guaranteed
- Personalized service from contracting industry veterans
- Rates starting at $59/month with no hidden fees
- Specialized knowledge of California and Texas regulations
What people say
Outstanding service
Same-day certificates
Knowledgeable staff
Great pricing
Dependable support
Services
General Liability Insurance
This insurance protects contractors against claims of bodily injury, property damage, and personal injury during business operations. Ideal for construction workers, electricians, and tradespeople, it covers legal fees and settlements while ensuring compliance with project requirements. Our policies start at $59/month with same-day certificate options.
Workers Compensation Insurance
Mandatory coverage for California employers that provides wage replacement and medical benefits for work-related injuries. We offer customized policies starting at $59/month with rapid processing to maintain business continuity and regulatory compliance for contractors and small businesses.
Commercial Auto Insurance
Comprehensive coverage for business vehicles including liability, collision, and uninsured motorist protection. Designed for contractors transporting equipment, with policies starting at $59/month and flexible payment options to suit varying operational needs and fleet sizes.
Tools & Equipment Insurance
Protects high-value movable tools and equipment against theft, damage, or loss at job sites. Tailored for tradespeople requiring portable asset protection, with affordable rates starting at $59/month and quick policy activation to prevent work disruptions.
Builders Risk Insurance
Specialized protection for materials and structures during construction or renovation. Covers physical loss from covered perils with policies starting at $59/month, meeting lender requirements and safeguarding investments in residential and commercial building projects.
Questions
What types of insurance does Craft Guard Insurance offer?
We provide general liability, workers compensation, commercial auto, tools & equipment, license bonds, excess liability, builders risk, and cannabis insurance for contractors and small businesses.
How quickly can I get insurance coverage?
Most policies can be activated the same day with immediate certificate delivery through our streamlined online process and dedicated agent support.
Do you offer payment plans?
Yes, we provide flexible financing options allowing monthly payments instead of full upfront premiums for most insurance products.
Are your rates truly affordable?
Our policies start at $59/month with transparent pricing and no hidden fees, backed by our commitment to competitive market rates.
Which states do you serve?
We specialize in California and Texas insurance requirements, with expertise in state-specific regulations and compliance standards.
What if I need policy adjustments?
Our agents provide ongoing support to modify coverage as your business evolves, ensuring optimal protection throughout different project phases and growth stages.
