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.
Ramona has 517 active CSLB contractor licenses (September 2026). 46% carry a workers' comp policy, 50% are on file as exempt, and 33 licenses were issued here in the last 12 months. The largest group is B (218 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 218 | 36% | 61% | 15 |
| C-10 Electrical Contractor | 45 | 42% | 58% | 3 |
| C-61 Limited Specialty | 41 | 59% | 41% | 0 |
| C-27 Landscaping Contractor | 37 | 43% | 51% | 2 |
| C-36 Plumbing Contractor | 34 | 44% | 53% | 2 |
| A General Engineering Contractor | 33 | 48% | 48% | 1 |
| C-33 Painting and Decorating Contractor | 21 | 67% | 29% | 1 |
| C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor | 21 | 95% | 0% | 0 |
| C-15 Flooring and Floor Covering Contractors | 14 | 57% | 36% | 1 |
| C-8 Concrete Contractor | 13 | 100% | 0% | 0 |
San Diego (5,819 licenses), Escondido (1,715 licenses), El Cajon (1,391 licenses), Chula Vista (1,184 licenses), Vista (1,179 licenses).
Asena Capital Insurance Services compares multiple markets for Ramona 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.