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.
San Luis Obispo has 451 active CSLB contractor licenses (September 2026). 41% carry a workers' comp policy, 54% are on file as exempt, and 22 licenses were issued here in the last 12 months. The largest group is B (232 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 232 | 38% | 59% | 8 |
| A General Engineering Contractor | 48 | 65% | 33% | 0 |
| C-10 Electrical Contractor | 43 | 47% | 49% | 2 |
| C-27 Landscaping Contractor | 39 | 49% | 49% | 5 |
| C-61 Limited Specialty | 28 | 61% | 36% | 1 |
| C-33 Painting and Decorating Contractor | 28 | 36% | 57% | 1 |
| C-36 Plumbing Contractor | 24 | 42% | 54% | 2 |
| C-15 Flooring and Floor Covering Contractors | 14 | 57% | 36% | 2 |
| C-54 Ceramic and Mosaic Tile Contractor | 12 | 42% | 58% | 0 |
| C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor | 8 | 88% | 0% | 0 |
Paso Robles (594 licenses), Atascadero (465 licenses), Arroyo Grande (360 licenses), Nipomo (253 licenses), Los Osos (202 licenses).
Asena Capital Insurance Services compares multiple markets for San Luis Obispo 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.