California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
San Mateo is home to 315 licensed general contractors (B, CSLB September 2026), about 50% of the 634 contractor licenses based here.
Nearby in San Mateo County: Redwood City (326), Daly City (254), Burlingame (199), South San Francisco (189).
26% of San Mateo's B licensees hold more than one classification — most often C-10 Electrical Contractor (7%), C-36 Plumbing 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: 52% sole owners, 42% corporations, 5% LLCs; median time licensed 17.3 years.
For general contractors, underwriters focus first on: completed-operations and construction-defect claims; and contract requirements: additional insured, waiver of subrogation, primary and non-contributory. See the full coverage guide for general contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for San Mateo 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.
315 active B licenses have a business address in San Mateo (CSLB, September 2026); 40% carry workers' comp and 58% 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.