California Contractor Insurance

Insurance and Bonds for California Public Works Contractors

Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.

Your four responsibilities as a public works contractor (per DIR)

Insurance and bond checklist for public works

Prevailing wage and your workers' comp audit

Prevailing-wage jobs raise your reported payroll. For dual-wage trades, each employee's regular hourly wage decides the code — e.g., roofing is 5552 under $33/hour and 5553 at $33/hour or more (WCIRB thresholds effective 9/1/2026; they change periodically). Keep certified payroll organized — it supports your classification at audit.

Get a public works review

Call (858) 925-9555 or request a review online — only your name, phone and email are required; we collect project details by phone. Asena Capital Insurance Services, CA License #6008596.

Frequently asked questions

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California contractors can review workers’ compensation, general liability, commercial auto, contractor license bonds, BOP, builder’s risk, professional liability, inland marine, and certificate requests. Coverage availability, limits, terms, and pricing depend on the business, operations, contracts, claims, vehicles, payroll, and carrier or surety underwriting. Use the coverage pages, trade guides, California service-area pages, and quote paths above to start a fact-specific review with Asena Capital Insurance Services.

A useful California contractor insurance review starts with the actual work, license classification, entity, employees, payroll, subcontractors, vehicles, tools, equipment, locations, contracts, prior coverage, and claims history. General Liability is commonly reviewed for third-party bodily injury, property damage, completed operations, certificates, and contract requirements. Workers’ Compensation questions depend on employee status, duties, payroll, ownership, current California requirements, and the records kept with the policy. Commercial Auto review can include business-owned vehicles, hired or non-owned use, drivers, garaging, radius, trailers, tools, and materials. A contractor license bond is separate from liability and workers’ compensation. Builder’s risk, inland marine, tools and equipment, professional liability, pollution, umbrella or excess, and bond options may be relevant to particular operations or contracts. Certificates summarize policy information and do not change policy terms or guarantee an endorsement. Availability, eligibility, limits, pricing, effective dates, and binding authority remain subject to complete information, carrier appetite, policy language, and underwriting. Contractors should verify licensing and regulatory information with official California sources such as CSLB and the Division of Workers’ Compensation, and use Asena’s coverage pages and quote paths to organize a fact-specific review.

Asena Capital Insurance Services · California License #6008596 · (858) 925-9555 · info@asenainsurance.com

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