No sponsors.
Just what works.
Tool breakdowns and legal resources written by crews running them daily — not by a review farm that unboxed it once.
Insurance Coverage Guide
Plain-language breakdowns of the policies every contractor should understand before signing a job contract.
Insurance Coverage Guide
Plain-language breakdowns of the policies every contractor should understand before signing a job contract.
Financing Resources
Recommended lenders and funding options for contractors and dealers.
Financing Resources
Recommended lenders and funding options for contractors and dealers.
Legal Resources Directory
Construction attorneys by problem: contracts, defects, liens, licensing, payroll tax, and collections.
Legal Resources Directory
Construction attorneys by problem: contracts, defects, liens, licensing, payroll tax, and collections.
Construction Litigation / Contract Disputes
Homeowner disputes, contractor disputes, breach of contract, arbitration, unpaid work, defective workmanship claims.
Construction Defect Attorneys
Leaks, water intrusion, bad installation, structural/design defects, material failures, roof failures.
Mechanic’s Lien / Stop Notice / Collections
Recording liens, enforcing liens, lien releases, unpaid contractor invoices, judgment collection.
CSLB / Contractor License Defense
CSLB complaints, license discipline, bond claims, unlicensed activity allegations, contractor compliance.
Business Dissolution / Partner Disputes
Closing the company, owner buyout, 50/50 partner disputes, asset split, domains, customer lists, trucks/tools, cash division.
Employment / Worker Classification
1099 vs W-2 problems, wage claims, terminations, employee handbooks, payroll practices, labor claims.
EDD / Payroll Tax / Misclassification Defense
EDD audits, 1099 misclassification, payroll tax assessments, penalties, owner/responsible-person exposure.
Insurance Coverage / Bad Faith
Carrier denies defense, carrier denies coverage, construction claim exclusions, water damage denials, policy disputes.
Tax Attorneys
IRS/FTB issues, payroll tax, business closure tax exposure, owner distributions, tax audits, settlement planning.
Collections / Judgment Enforcement
Unpaid invoices, judgment collection, debtor exams, bank levies, abstracts of judgment, garnishments.
The paperwork side of running a crew
Insurance, licensing, lien rights, and financing — organized so you can find the right office fast.
Workers' compensation and general liability are where most small outfits get caught short. The insurance pages explain what each policy actually covers, what a certificate of insurance has to say, and where to compare carriers.
The legal section links to state licensing boards, lien and prompt-payment statutes, and low-cost legal aid for small contractors. The finance section covers equipment loans, invoice factoring, and lines of credit sized for a crew, not a corporation.
Do I need general liability if I already carry workers' comp?
They cover different risks. Workers' comp covers injuries to your crew; general liability covers damage or injury you cause to others. Most general contractors require both on a certificate before you set foot on site.
What is a mechanic's lien and when can I file one?
It is a claim against a property for unpaid work. Deadlines and notice requirements are set state by state and are short — check your state's statute the day an invoice goes past due, not months later.
Does Union Break sell insurance or loans?
No. Nothing here is sponsored and we take no commission — the directory only points you to the carriers, boards, and lenders.