California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Aptos is home to 154 licensed general contractors (B, CSLB September 2026), about 55% of the 278 contractor licenses based here.
Nearby in Santa Cruz County: Santa Cruz (412), Watsonville (181), Scotts Valley (85), Soquel (81).
16% of Aptos's B licensees hold more than one classification — most often C-10 Electrical Contractor (8%), C-36 Plumbing Contractor (2%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 69% sole owners, 27% corporations, 4% LLCs; median time licensed 23.9 years.
For general contractors, underwriters focus first on: builder's risk on projects under construction; and crew trucks, trailers and equipment. See the full coverage guide for general contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Aptos 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.
154 active B licenses have a business address in Aptos (CSLB, September 2026); 36% carry workers' comp and 62% 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.