California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Modesto is home to 83 licensed HVAC contractors (C-20, CSLB September 2026) — #15 in California, about 7% of the 1,245 contractor licenses based here.
Nearby in Stanislaus County: Turlock (30), Ceres (21), Oakdale (19), Patterson (15).
31% of Modesto's C-20 licensees hold more than one classification — most often C-36 Plumbing Contractor (17%), B General Building Contractor (16%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 40% sole owners, 51% corporations, 10% LLCs; median time licensed 10.2 years.
For HVAC contractors, underwriters focus first on: theft of equipment, copper and tools from vans and job sites; and service vans driven daily across a wide territory. See the full coverage guide for HVAC contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Modesto 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.
83 active C-20 licenses have a business address in Modesto (CSLB, September 2026); 96% carry workers' comp and 0% are filed exempt.
Usually not by the auto policy. Tools, equipment and parts in transit are typically covered by an inland marine or tools-and-equipment policy.