California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
San Bernardino is home to 87 licensed electrical contractors (C-10, CSLB September 2026), about 10% of the 846 contractor licenses based here.
Nearby in San Bernardino County: Rancho Cucamonga (144), Ontario (133), Fontana (100), Chino (96).
20% of San Bernardino's C-10 licensees hold more than one classification — most often B General Building Contractor (10%), C-36 Plumbing Contractor (3%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 45% sole owners, 53% corporations, 1% LLCs; median time licensed 8.1 years.
For electricians, underwriters focus first on: damage to existing finishes when running new circuits; and eV charger, solar and battery work that some carriers underwrite separately. See the full coverage guide for electrical contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for San Bernardino 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.
87 active C-10 licenses have a business address in San Bernardino (CSLB, September 2026); 38% carry workers' comp and 60% 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.