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.
Cayucos has 60 active CSLB contractor licenses (September 2026). 40% carry a workers' comp policy, 57% are on file as exempt, and 3 licenses were issued here in the last 12 months. The largest group is B (29 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 29 | 38% | 55% | 0 |
| A General Engineering Contractor | 10 | 80% | 20% | 1 |
| C-36 Plumbing Contractor | 5 | 40% | 60% | 0 |
| C-10 Electrical Contractor | 5 | 40% | 60% | 1 |
| C-33 Painting and Decorating Contractor | 4 | 0% | 100% | 0 |
| C-27 Landscaping Contractor | 3 | 67% | 33% | 0 |
| C-61 Limited Specialty | 2 | 0% | 100% | 0 |
| C-12 Earthwork and Paving Contractors | 2 | 100% | 0% | 0 |
| C-8 Concrete Contractor | 1 | 100% | 0% | 0 |
| C-54 Ceramic and Mosaic Tile Contractor | 1 | 0% | 100% | 0 |
Paso Robles (594 licenses), Atascadero (465 licenses), San Luis Obispo (451 licenses), Arroyo Grande (360 licenses), Nipomo (253 licenses).
Asena Capital Insurance Services compares multiple markets for Cayucos 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.