California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Palo Alto is home to 155 licensed general contractors (B, CSLB September 2026), about 68% of the 229 contractor licenses based here.
Nearby in Santa Clara County: San Jose (2,246), Santa Clara (300), Campbell (255), Los Gatos (252).
17% of Palo Alto's B licensees hold more than one classification — most often C-10 Electrical Contractor (6%), 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: 35% sole owners, 59% corporations, 6% LLCs; median time licensed 19.2 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 Palo Alto 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.
155 active B licenses have a business address in Palo Alto (CSLB, September 2026); 45% carry workers' comp and 52% 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.