California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
California SB 216 may affect Workers Compensation and filing requirements for CSLB-licensed contractors, including some sole proprietors. Phase 1 classifications include C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-61/D-49 Tree Service, and C-39 Roofing. Phase 2 was scheduled for January 1, 2026 for remaining classifications; confirm the current requirement for the specific license with CSLB.
Owner treatment, exclusion arrangements, employee status, entity structure, certificate requirements, policy terms, and carrier underwriting determine the appropriate review. A generic label such as a ghost policy does not by itself establish compliance. Use the coverage selector to request a classification-specific review.
Statutory requirements and CSLB filing processes can change. Verify current information with CSLB and consult an insurance professional before relying on a policy, exemption, or filing.