California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Los Gatos is home to 252 licensed general contractors (B, CSLB September 2026), about 66% of the 383 contractor licenses based here.
Nearby in Santa Clara County: San Jose (2,246), Santa Clara (300), Campbell (255), Sunnyvale (213).
17% of Los Gatos's B licensees hold more than one classification — most often C-10 Electrical Contractor (6%), C-15 Flooring and Floor Covering Contractors (2%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 48% sole owners, 43% corporations, 9% LLCs; median time licensed 18.5 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 Los Gatos 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.
252 active B licenses have a business address in Los Gatos (CSLB, September 2026); 42% carry workers' comp and 54% 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.