Which type of insurance and bonding are generally required for a California fencing contractor to operate legally?

• A. General liability coverage only
• B. No insurance required
• C. Workers' compensation insurance only
• D. Maintain workers' compensation insurance and a contractor license bond, plus general liability coverage as recommended

Answer: (D)

In California, a fencing contractor must meet protections for both workers and clients to operate legally. If you have employees, you are required to carry workers’ compensation insurance. You also need a contractor license bond as part of holding and renewing the license, which provides a financial safety net for consumers if the contractor fails to meet license requirements. General liability insurance isn’t the license itself, but it’s highly recommended and often required by clients and job sites to protect against third‑party claims for property damage or bodily injury. So the only option that fully covers the legal requirements and sensible risk protection is keeping workers’ compensation, meeting the license bond requirement, and maintaining general liability coverage as prudent protection.