California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Elk Grove is home to 273 licensed general contractors (B, CSLB September 2026), about 37% of the 744 contractor licenses based here.
Nearby in Sacramento County: Sacramento (1,601), Citrus Heights (316), Folsom (221), Carmichael (217).
34% of Elk Grove's B licensees hold more than one classification — most often C-10 Electrical Contractor (6%), A General Engineering Contractor (4%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 53% sole owners, 41% corporations, 4% LLCs; median time licensed 16.4 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 Elk Grove 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.
273 active B licenses have a business address in Elk Grove (CSLB, September 2026); 32% carry workers' comp and 66% are filed exempt.
Commonly general liability with additional insured status for the owner, primary and non-contributory wording, waiver of subrogation, workers' comp and auto. Larger projects may add umbrella limits or builder's risk.