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.
Santa Cruz has 801 active CSLB contractor licenses (September 2026). 39% carry a workers' comp policy, 57% are on file as exempt, and 36 licenses were issued here in the last 12 months. The largest group is B (412 licenses).
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 412 | 29% | 67% | 14 |
| C-10 Electrical Contractor | 80 | 34% | 65% | 6 |
| C-27 Landscaping Contractor | 50 | 66% | 26% | 4 |
| C-36 Plumbing Contractor | 44 | 45% | 50% | 1 |
| C-33 Painting and Decorating Contractor | 44 | 30% | 68% | 2 |
| C-61 Limited Specialty | 34 | 62% | 32% | 2 |
| C-54 Ceramic and Mosaic Tile Contractor | 24 | 42% | 58% | 0 |
| A General Engineering Contractor | 23 | 65% | 30% | 2 |
| C-15 Flooring and Floor Covering Contractors | 21 | 43% | 57% | 2 |
| C-39 Roofing Contractor | 15 | 93% | 0% | 1 |
Watsonville (456 licenses), Aptos (278 licenses), Soquel (185 licenses), Scotts Valley (172 licenses), Felton (125 licenses).
Asena Capital Insurance Services compares multiple markets for Santa Cruz 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.