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.
Hayward has 1,119 active CSLB contractor licenses (September 2026), #30 among California cities. 56% carry a workers' comp policy, 42% are on file as exempt, and 83 licenses were issued here in the last 12 months. The largest group is B (433 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 433 | 50% | 48% | 30 |
| C-10 Electrical Contractor | 125 | 52% | 46% | 13 |
| C-61 Limited Specialty | 114 | 68% | 27% | 6 |
| C-36 Plumbing Contractor | 83 | 53% | 45% | 12 |
| C-33 Painting and Decorating Contractor | 79 | 46% | 53% | 2 |
| C-27 Landscaping Contractor | 74 | 32% | 66% | 2 |
| A General Engineering Contractor | 61 | 80% | 16% | 2 |
| C-54 Ceramic and Mosaic Tile Contractor | 43 | 47% | 51% | 3 |
| C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor | 41 | 100% | 0% | 1 |
| C-15 Flooring and Floor Covering Contractors | 39 | 77% | 21% | 5 |
Oakland (1,591 licenses), Livermore (728 licenses), Fremont (720 licenses), San Leandro (619 licenses), Berkeley (434 licenses).
Asena Capital Insurance Services compares multiple markets for Hayward 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.