California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Fontana is home to 263 licensed general contractors (B, CSLB September 2026), about 33% of the 799 contractor licenses based here.
Nearby in San Bernardino County: Rancho Cucamonga (363), Ontario (323), San Bernardino (273), Upland (269).
31% of Fontana's B licensees hold more than one classification — most often C-10 Electrical Contractor (6%), A General Engineering Contractor (5%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 43% sole owners, 50% corporations, 5% LLCs; median time licensed 8.8 years.
For general contractors, underwriters focus first on: contract requirements: additional insured, waiver of subrogation, primary and non-contributory; and builder's risk on projects under construction. See the full coverage guide for general contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Fontana 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.
263 active B licenses have a business address in Fontana (CSLB, September 2026); 35% carry workers' comp and 61% 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.