California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Fresno is home to 172 licensed HVAC contractors (C-20, CSLB September 2026) — #7 in California, about 7% of the 2,486 contractor licenses based here.
Nearby in Fresno County: Clovis (48), Reedley (11), Kerman (6), Sanger (5).
45% of Fresno's C-20 licensees hold more than one classification — most often B General Building Contractor (25%), C-36 Plumbing Contractor (19%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 45% sole owners, 49% corporations, 6% LLCs; median time licensed 15.0 years.
For HVAC contractors, underwriters focus first on: fire or carbon-monoxide claims tied to furnace and venting work; and refrigerant handling and disposal under EPA rules. See the full coverage guide for HVAC contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Fresno 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.
172 active C-20 licenses have a business address in Fresno (CSLB, September 2026); 93% carry workers' comp and 0% are filed exempt.
Damage to a customer's property caused by your completed work is generally a GL completed-operations question. Policy wording and exclusions vary, so we compare them before you buy.