California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Most contractors carry general liability, workers' comp, commercial auto and the $25,000 license bond, plus tools and equipment coverage. The mix depends on your license class, employees and vehicles.
Aptos has 278 active CSLB contractor licenses (September 2026). 42% carry a workers' comp policy, 57% are on file as exempt, and 6 licenses were issued here in the last 12 months. The largest group is B (154 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 154 | 36% | 62% | 2 |
| C-10 Electrical Contractor | 33 | 45% | 55% | 1 |
| C-27 Landscaping Contractor | 22 | 36% | 64% | 0 |
| C-33 Painting and Decorating Contractor | 21 | 71% | 29% | 0 |
| C-36 Plumbing Contractor | 15 | 27% | 73% | 0 |
| C-61 Limited Specialty | 10 | 70% | 30% | 0 |
| C-54 Ceramic and Mosaic Tile Contractor | 8 | 38% | 62% | 1 |
| C-15 Flooring and Floor Covering Contractors | 6 | 50% | 50% | 0 |
| A General Engineering Contractor | 5 | 40% | 40% | 0 |
| C-39 Roofing Contractor | 4 | 100% | 0% | 0 |
Santa Cruz (801 licenses), Watsonville (456 licenses), Soquel (185 licenses), Scotts Valley (172 licenses), Felton (125 licenses).
Asena Capital Insurance Services compares multiple markets for Aptos contractors and requests additional insured endorsements for you when a contract calls for them. Call (858) 925-9555 or request a quote — only your name, phone and email are required. CA License #6008596.
Most contractors carry general liability, workers' comp, commercial auto and the $25,000 license bond, plus tools and equipment coverage. The mix depends on your license class, employees and vehicles.
Once a policy is bound, a certificate of insurance can usually be issued quickly, including additional insured wording a GC asks for. Timing depends on the carrier and the endorsements requested.