California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Carmel-by-the-Sea is home to 136 licensed general contractors (B, CSLB September 2026), about 58% of the 236 contractor licenses based here.
Nearby in Monterey County: Salinas (326), Monterey (142), Carmel (136), Seaside (104).
15% of Carmel-by-the-Sea's B licensees hold more than one classification — most often A General Engineering Contractor (7%), C-10 Electrical 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: 54% sole owners, 44% corporations, 1% LLCs; median time licensed 25.3 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 Carmel-by-the-Sea 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.
136 active B licenses have a business address in Carmel-by-the-Sea (CSLB, September 2026); 40% carry workers' comp and 57% 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.