California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Downey is home to 271 licensed general contractors (B, CSLB September 2026), about 50% of the 541 contractor licenses based here.
Nearby in Los Angeles County: Los Angeles (3,498), Woodland Hills (688), Long Beach (685), Glendale (554).
29% of Downey's B licensees hold more than one classification — most often C-10 Electrical Contractor (9%), C-36 Plumbing 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: 42% sole owners, 53% corporations, 3% LLCs; median time licensed 14.4 years.
For general contractors, underwriters focus first on: third-party injuries on job sites; and completed-operations and construction-defect claims. See the full coverage guide for general contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Downey 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.
271 active B licenses have a business address in Downey (CSLB, September 2026); 39% carry workers' comp and 58% are filed exempt.
If a sub cannot prove its own workers' comp coverage, carriers typically add that sub's payroll to your policy at audit. Collecting current certificates from every sub is the simplest protection.