California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Asena Capital reviews California C-15 flooring and floor-covering operations based on the work performed, employee duties, payroll, tools, materials, vehicles, contracts, and underwriting.
C-15 covers flooring and floor-covering work, while ceramic tile is classified separately. Workers' Compensation should be reviewed when employees are subject to California law; project contracts may request General Liability, completed operations, or additional-insured wording. Vans, tools, adhesives, materials, and any related tile, stone, demolition, or refinishing work should be disclosed.
Request a Flooring quote review and review Workers' Compensation, General Liability, and Commercial Auto.
CSLB's definition: “A flooring and floor covering contractor prepares any surface for the installation of flooring and floor coverings, and installs carpet, resilient sheet goods, resilient tile, wood floors and flooring (including the finishing and repairing thereof), and any other materials established as flooring and floor covering material, except ceramic tile.” (California Code of Regulations / Business and Professions Code, via cslb.ca.gov).
CSLB's public license file (September 2026) shows 6,635 current C-15 licenses statewide. 49% have a workers' comp policy on file and 48% are filed exempt. 52% are sole owners, 42% corporations and 3% LLCs; 313 were issued in the last 12 months.
Right now 86 C-15 licenses are suspended for workers' comp and 325 for bond problems — a suspended license cannot legally contract.
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| San Diego | 243 | 49% | 46% | 12 |
| Sacramento | 195 | 41% | 57% | 12 |
| Los Angeles | 158 | 54% | 43% | 8 |
| San Jose | 132 | 52% | 48% | 3 |
| Fresno | 114 | 61% | 34% | 3 |
| Riverside | 88 | 51% | 44% | 3 |
| Chula Vista | 78 | 53% | 42% | 4 |
| Anaheim | 74 | 58% | 39% | 2 |
| Bakersfield | 73 | 56% | 41% | 2 |
| San Francisco | 69 | 64% | 35% | 1 |
Any California contractor with employees must carry workers' comp (Labor Code 3700). A license with no employees can currently file an exemption with CSLB; beginning January 1, 2028 (SB 1455), CSLB will require workers' comp for all active licenses, with joint-venture licenses the only exception.
The carrier assigns the WCIRB class based on the materials you install and whether the work is residential or commercial.
Every active California contractor license needs a $25,000 contractor license bond on file with CSLB (raised from $15,000 on January 1, 2023). For owners with good credit, the bond commonly costs about $140–$250 a year; price depends mainly on credit.
LLC licenses also need a $100,000 employee/worker bond and liability insurance of at least $1 million (plus $100,000 per member over five, up to $5 million).
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Flooring contractors in California should describe the work actually performed, the CSLB classification that applies, employees and payroll, subcontractors, vehicles, locations, contracts, and claims history before an insurance review. Coverage, limits, eligibility, pricing, and effective dates depend on the complete operation and underwriting; this page is not a binding quote or legal determination.
Prepare the legal entity, CSLB license and classification, description of floor covering installation, repair, remodeling, and related interior work, employee duties and payroll, subcontractor practices, vehicles and equipment, locations, contract requirements, prior coverage, and claims.
No. The classification is one input. Actual operations, project mix, employees, subcontractors, vehicles, locations, contracts, losses, policy terms, and underwriting also affect the review.
The review may include General Liability, Workers' Compensation where applicable, Commercial Auto, tools or equipment, contractor license bonds, and contract-specific certificates or endorsements. The appropriate combination depends on the actual business.
Official references: California CSLB · CSLB workers' compensation requirements · California DIR employer information · CSLB licensing classifications