Contractor Insurance for contractors in Sacramento
Most contractors carry general liability, workers' comp, commercial auto and the $25,000 license bond, plus tools and equipment coverage. The mix depends on your license class, employees and vehicles.
Sacramento contractors by the numbers
Sacramento has 4,096 active CSLB contractor licenses (September 2026), #4 among California cities. 46% carry a workers' comp policy, 51% are on file as exempt, and 464 licenses were issued here in the last 12 months. The largest group is B (1,601 licenses).
Other Sacramento County contractor markets
Elk Grove (744 licenses), Citrus Heights (739 licenses), Rancho Cordova (585 licenses), Orangevale (504 licenses), Carmichael (463 licenses).
Get a quote
Asena Capital Insurance Services compares multiple markets for Sacramento 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.
Frequently asked questions
Do I need contractor insurance to work in Sacramento?
Most contractors carry general liability, workers' comp, commercial auto and the $25,000 license bond, plus tools and equipment coverage. The mix depends on your license class, employees and vehicles.
What is the fastest way to get a certificate of insurance?
Once a policy is bound, a certificate of insurance can usually be issued quickly, including additional insured wording a GC asks for. Timing depends on the carrier and the endorsements requested.