Insurance & LiensQuestion 1480 of 1605
A licensed contractor who has NO employees but holds a C-10 electrical, C-8 concrete, C-20 HVAC, C-22 asbestos, or D-49 tree service classification must:
a.Carry only general liability instead
b.Never carry workers' compensation under any circumstance
c.Carry builder's risk instead of workers' compensation
d.Still carry workers' compensation insurance (those classifications require it even without employees) or file the required exemption where allowed
Explanation
Under Business & Professions Code §7125 and related law, most contractors without employees may file a workers' compensation exemption, but certain classifications (e.g., C-8, C-10, C-20, C-22, D-49) are required to carry workers' compensation coverage even without employees due to elevated risk.
Law Reference: Bus. & Prof. Code §7125Practice all 1605 questions free — no signup required.
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Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)