Top five filing mistakes (per CSLB) Who cannot file an exemption If you hire someone while exempt Your exemption stops being valid the moment you hire. CSLB must receive proof of workers' comp within 90 days of the hire — but you need coverage from the first day the employee works.
Why the class codes on your license matter Anyone checking your license can see the top class codes on your policy. You certify these codes on your CSLB renewal form, and CSLB does not check them. If they do not match the work you do, general contractors and owners may ask questions — and misclassification can cost you at audit. We can review the codes on your policy before you renew.
Get workers' comp filed correctly Call (858) 925-9555 or request a review online — only your name, phone and email are required; we collect project details by phone. Asena Capital Insurance Services, CA License #6008596.
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Related resources: California Workers' Comp class codes · California contractor Workers' Comp report
Coverage Hub Coverage Directory California Cities About FAQ Contact Privacy Policy Terms C-10 Electrical C-20 HVAC C-36 Plumbing C-39 Roofing C-8 Concrete Builder's Risk Professional Liability Inland Marine COI Request Get Bonded Workers' Comp Quote GL Quote Commercial Auto Quote BOP Quote California contractors can review workers’ compensation, general liability, commercial auto, contractor license bonds, BOP, builder’s risk, professional liability, inland marine, and certificate requests. Coverage availability, limits, terms, and pricing depend on the business, operations, contracts, claims, vehicles, payroll, and carrier or surety underwriting. Use the coverage pages, trade guides, California service-area pages, and quote paths above to start a fact-specific review with Asena Capital Insurance Services.
A useful California contractor insurance review starts with the actual work, license classification, entity, employees, payroll, subcontractors, vehicles, tools, equipment, locations, contracts, prior coverage, and claims history. General Liability is commonly reviewed for third-party bodily injury, property damage, completed operations, certificates, and contract requirements. Workers’ Compensation questions depend on employee status, duties, payroll, ownership, current California requirements, and the records kept with the policy. Commercial Auto review can include business-owned vehicles, hired or non-owned use, drivers, garaging, radius, trailers, tools, and materials. A contractor license bond is separate from liability and workers’ compensation. Builder’s risk, inland marine, tools and equipment, professional liability, pollution, umbrella or excess, and bond options may be relevant to particular operations or contracts. Certificates summarize policy information and do not change policy terms or guarantee an endorsement. Availability, eligibility, limits, pricing, effective dates, and binding authority remain subject to complete information, carrier appetite, policy language, and underwriting. Contractors should verify licensing and regulatory information with official California sources such as CSLB and the Division of Workers’ Compensation, and use Asena’s coverage pages and quote paths to organize a fact-specific review.
Asena Capital Insurance Services · California License #6008596 · (858) 925-9555 · info@asenainsurance.com