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 59 licensed landscaping contractors (C-27, CSLB September 2026) — #35 in California, about 5% of the 1,245 contractor licenses based here.
Nearby in Stanislaus County: Turlock (17), Ceres (14), Oakdale (14), Patterson (11).
22% of Modesto's C-27 licensees hold more than one classification — most often C-8 Concrete Contractor (5%), D-34 D34 (3%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 54% sole owners, 34% corporations, 10% LLCs; median time licensed 10.6 years.
For landscapers, underwriters focus first on: damage to underground utilities and irrigation during trenching; and tree work, which many carriers underwrite separately (D-49 tree service must carry workers' comp now). See the full coverage guide for landscaping 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.
59 active C-27 licenses have a business address in Modesto (CSLB, September 2026); 49% carry workers' comp and 47% are filed exempt.
If you have employees, yes. Solo C-27 operators can currently file an exemption; beginning January 1, 2028, CSLB will require workers' comp for all active licenses (SB 1455), except joint ventures. Tree service (C-61/D-49) already requires it.