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.
Downey has 541 active CSLB contractor licenses (September 2026). 48% carry a workers' comp policy, 48% are on file as exempt, and 42 licenses were issued here in the last 12 months. The largest group is B (271 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 271 | 39% | 58% | 23 |
| C-10 Electrical Contractor | 80 | 56% | 44% | 2 |
| C-36 Plumbing Contractor | 56 | 50% | 50% | 8 |
| C-33 Painting and Decorating Contractor | 30 | 47% | 47% | 2 |
| A General Engineering Contractor | 28 | 75% | 25% | 1 |
| C-61 Limited Specialty | 26 | 69% | 27% | 0 |
| C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor | 25 | 92% | 0% | 3 |
| C-39 Roofing Contractor | 23 | 91% | 0% | 1 |
| C-9 Drywall Contractor | 15 | 47% | 53% | 1 |
| C-15 Flooring and Floor Covering Contractors | 14 | 50% | 43% | 1 |
Los Angeles (6,533 licenses), Long Beach (1,444 licenses), Glendale (1,200 licenses), Van Nuys (1,170 licenses), Woodland Hills (1,006 licenses).
Asena Capital Insurance Services compares multiple markets for Downey 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.