California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Covers injury to other people and damage to their property from your work, including claims after the job is finished (completed operations). Most GCs and project owners ask for $1 million per occurrence / $2 million aggregate and additional insured status.
Sacramento has 4,096 active CSLB contractor licenses (September 2026), #4 among California cities. 46% carry a workers' comp policy, 51% are on file as exempt, and 464 licenses were issued here in the last 12 months. The largest group is B (1,601 licenses).
About 368 Sacramento licenses are held by LLCs, which must carry liability insurance of at least $1 million (up to $5 million depending on members) as a CSLB condition of the license.
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 1,601 | 37% | 61% | 150 |
| C-10 Electrical Contractor | 483 | 45% | 53% | 62 |
| C-61 Limited Specialty | 387 | 63% | 35% | 34 |
| C-33 Painting and Decorating Contractor | 310 | 37% | 60% | 30 |
| C-27 Landscaping Contractor | 289 | 51% | 47% | 22 |
| C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor | 255 | 96% | 0% | 20 |
| C-36 Plumbing Contractor | 242 | 45% | 53% | 22 |
| A General Engineering Contractor | 226 | 65% | 32% | 8 |
| C-15 Flooring and Floor Covering Contractors | 195 | 41% | 57% | 12 |
| C-54 Ceramic and Mosaic Tile Contractor | 131 | 44% | 55% | 6 |
Elk Grove (744 licenses), Citrus Heights (739 licenses), Rancho Cordova (585 licenses), Orangevale (504 licenses), Carmichael (463 licenses).
Asena Capital Insurance Services compares multiple markets for Sacramento 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.
Covers injury to other people and damage to their property from your work, including claims after the job is finished (completed operations). Most GCs and project owners ask for $1 million per occurrence / $2 million aggregate and additional insured status.
Once a policy is bound, a certificate of insurance can usually be issued quickly, including additional insured wording a GC asks for. Timing depends on the carrier and the endorsements requested.