California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Of the 361 C-27 contractors licensed in San Diego, 55% carry workers' comp and 41% claim the no-employee exemption (CSLB, September 2026).
19 of them are suspended (2 workers' comp / 17 bond) — a suspended license cannot legally contract.
County-wide, San Diego County has 1,334 C-27 licenses, with 16 workers' comp and 51 bond suspensions.
32% of San Diego's C-27 licenses are 20+ years old, 22% are newer than three years (median 11.0 years). 30 were issued in the last 12 months.
5% are LLCs, which carry extra CSLB insurance and bond rules (below).
Asena Capital Insurance Services compares multiple markets for San Diego 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, 2 for workers' comp and 17 for bond issues, out of 361 active C-27 licenses based in San Diego.
30 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. Solo C-27 operators can currently file an exemption; beginning January 1, 2028, CSLB will require workers' comp for all active licenses (SB 1455), except joint ventures. Tree service (C-61/D-49) already requires it.