California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Modesto is home to 60 licensed flooring contractors (C-15, CSLB September 2026) — #12 in California, about 5% of the 1,245 contractor licenses based here.
Nearby in Stanislaus County: Turlock (12), Oakdale (10), Ceres (10), Salida (10).
12% of Modesto's C-15 licensees hold more than one classification — most often C-54 Ceramic and Mosaic Tile Contractor (7%), B General Building 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: 67% sole owners, 28% corporations, 3% LLCs; median time licensed 15.3 years.
For flooring contractors, underwriters focus first on: knee, back and repetitive-strain injuries; and adhesive and finish fumes and related fire exposure. See the full coverage guide for flooring contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Modesto 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.
60 active C-15 licenses have a business address in Modesto (CSLB, September 2026); 40% carry workers' comp and 57% are filed exempt.
Yes if you have employees. Solo operators can currently file an exemption; beginning January 1, 2028, CSLB will require it for all active licenses (SB 1455), except joint ventures.