California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Richmond is home to 257 licensed general contractors (B, CSLB September 2026), about 43% of the 604 contractor licenses based here.
Nearby in Contra Costa County: Concord (530), Walnut Creek (333), Martinez (206), Brentwood (187).
25% of Richmond's B licensees hold more than one classification — most often C-10 Electrical Contractor (5%), 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: 44% sole owners, 49% corporations, 6% LLCs; median time licensed 8.6 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 Richmond 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.
257 active B licenses have a business address in Richmond (CSLB, September 2026); 53% carry workers' comp and 46% are filed exempt.
Today a B license with no employees can file an exemption. Beginning January 1, 2028 (SB 1455), CSLB will require workers' comp for all active licenses, except joint ventures.