California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Palm Desert is home to 264 licensed general contractors (B, CSLB September 2026), about 42% of the 636 contractor licenses based here.
Nearby in Riverside County: Riverside (925), Corona (541), Temecula (476), Murrieta (339).
32% of Palm Desert's B licensees hold more than one classification — most often C-10 Electrical Contractor (7%), 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: 41% sole owners, 55% corporations, 4% LLCs; median time licensed 20.2 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 Palm Desert 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.
264 active B licenses have a business address in Palm Desert (CSLB, September 2026); 41% carry workers' comp and 52% 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.