California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Ramona is home to 218 licensed general contractors (B, CSLB September 2026), about 42% of the 517 contractor licenses based here.
Nearby in San Diego County: San Diego (2,686), Escondido (611), El Cajon (539), Vista (465).
29% of Ramona's B licensees hold more than one classification — most often A General Engineering Contractor (6%), C-10 Electrical 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: 53% sole owners, 44% corporations, 3% LLCs; median time licensed 19.8 years.
For general contractors, underwriters focus first on: contract requirements: additional insured, waiver of subrogation, primary and non-contributory; and builder's risk on projects under construction. See the full coverage guide for general contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Ramona 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.
218 active B licenses have a business address in Ramona (CSLB, September 2026); 36% carry workers' comp and 61% 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.