Contractor Insurance California
Coverage Guidance for Licensed Trades
Asena Capital Insurance Services is a California-licensed independent insurance agency focused on contractor risks. We shop multiple insurance markets and review trade, operations, payroll, vehicles, contracts, and license requirements to help identify appropriate coverage options, subject to eligibility and underwriting. COI support is available after coverage is approved and active.
California WC note: Workers' Compensation obligations depend on employees, license classification, entity structure, and current law. Review sole-proprietor eligibility before selecting coverage.
Coverage Every California Contractor Needs
From CSLB-required policies to optional protections — we cover everything.
General Liability
Often required by project contracts and mandatory for certain CSLB entity structures. Covers third-party bodily injury and property damage claims.
Workers' Compensation
Generally required when a contractor has employees. Certain license classifications may have additional requirements under current California law.
Commercial Auto
Relevant when vehicles are used for business. Coverage depends on vehicles, drivers, use, limits, and underwriting.
Contractor License Bond
The applicable CSLB bond requirement depends on license status and entity structure. Bond issuance is subject to surety approval.
Ghost Policy (WC)
A possible zero-payroll workers compensation arrangement for an eligible sole proprietor, subject to current law, carrier terms, and underwriting.
Builder's Risk
Project coverage for eligible buildings under construction. Lender, owner, or contract requirements may apply.
BOP
May combine general liability and commercial property for eligible contractors with suitable premises and operations.
Tools & Equipment
Inland marine coverage may apply to eligible tools, equipment, and materials at job sites or in transit.
Insurance by Trade
Click your trade for CSLB requirements, pricing, and top carriers.
Get Your Contractor Insurance Quote Today
COI processing. multiple insurance markets. Serving all of California.