California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Of the 580 C-10 contractors licensed in San Jose, 49% carry workers' comp and 48% claim the no-employee exemption (CSLB, September 2026).
Right now 7 are suspended for workers' comp and 25 for a bond problem.
Santa Clara County totals: 1,096 C-10 licenses; 11 suspended for workers' comp, 32 for bonds.
Experience mix: median 10.9 years licensed, 19% new (<3 yrs), 33% veterans (20+ yrs). 32 were issued in the last 12 months.
6% are LLCs, which carry extra CSLB insurance and bond rules (below).
Asena Capital Insurance Services compares multiple markets for San Jose 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.
As of September 2026, 7 for workers' comp and 25 for bond issues, out of 580 active C-10 licenses based in San Jose.
32 in the 12 months to September 2026. Each needed a $25,000 bond on file before CSLB issued the license.
If you have employees, yes — California Labor Code 3700 requires it. With no employees you can currently file an exemption, but beginning January 1, 2028 (SB 1455), CSLB will require workers' comp for all active licenses; only joint-venture licenses remain exempt.