California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
San Bernardino is home to 50 licensed HVAC contractors (C-20, CSLB September 2026), about 6% of the 846 contractor licenses based here.
Nearby in San Bernardino County: Rancho Cucamonga (79), Chino (50), Ontario (49), Chino Hills (47).
22% of San Bernardino's C-20 licensees hold more than one classification — most often B General Building Contractor (12%), C-36 Plumbing Contractor (12%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 58% sole owners, 38% corporations, 2% LLCs; median time licensed 8.2 years.
For HVAC contractors, underwriters focus first on: refrigerant handling and disposal under EPA rules; and theft of equipment, copper and tools from vans and job sites. See the full coverage guide for HVAC contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for San Bernardino 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.
50 active C-20 licenses have a business address in San Bernardino (CSLB, September 2026); 98% 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.