All independent contractors would be smart to be insured. This is not to say that all of them are insured, but rather to inform you of the benefits of being insured as a business entity. For the main part, it makes you look trustworthy and reliable. If any incidents arise which are your liability, you are covered by good insurance and this assures you a better chance of getting hired for jobs. Look for a california state contractors license bond to ensure your defense against any liability. It is all too easy to get blamed for damages when you are a contractor. This is why it is good to get with a good insurance company to make sure you are insured and bonded.
If any damages are claimed against you, this will all be handled by the insurance agency. With the right policy, you can cover all legal costs which may be involved. Sometimes these situations can become complicated and it takes the right litigation and coverage to make sure you come out on the best end. If you are truly liable for any damages or injuries, you should be able to compensate. That is why setting up good, bonded insurance is so vital to the career of a good independent contractor. You are running your own business, likely with employees, and you need everything to be appropriately covered in the event of bad incidents.
The best coverage comes from professionals who deal with this kind of insurance. You will find them in the California area and you can trust them to handle all of your liability insurance issues. If you have any other coverage you want, agents are professionals and they will guide you to the correct coverage you need for your bond and insurance. Look good in the field. Be a bonded, insured professional at what you do and get more work that way.