California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Ontario is home to 133 licensed electrical contractors (C-10, CSLB September 2026) — #29 in California, about 15% of the 885 contractor licenses based here.
Nearby in San Bernardino County: Rancho Cucamonga (144), Fontana (100), Chino (96), Upland (95).
40% of Ontario's C-10 licensees hold more than one classification — most often B General Building Contractor (25%), C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor (8%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 36% sole owners, 50% corporations, 12% LLCs; median time licensed 10.0 years.
For electricians, underwriters focus first on: falls from ladders and lifts; and damage to existing finishes when running new circuits. See the full coverage guide for electrical contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Ontario 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.
133 active C-10 licenses have a business address in Ontario (CSLB, September 2026); 57% carry workers' comp and 41% are filed exempt.
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.