California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Workers' comp premium is based on payroll: each class of work has a rate per $100 of payroll, which is adjusted by your experience modification (x-mod) if you qualify for one, plus policy fees and state assessments. California uses separate classifications for many trades depending on employees' hourly wages, so the class — and the rate — can change with wages.
Any California employer must carry workers' comp. CSLB also requires it — even with no employees — for C-8, C-20, C-22, C-39 and C-61/D-49 licenses, and for any license qualified by a Responsible Managing Employee. From January 1, 2028, CSLB requires it for all active licenses except joint ventures.
You pay an estimated premium at the start of the policy based on estimated payroll. At the end of the term, the carrier audits actual payroll and adjusts the premium up or down. Uninsured subcontractors can be added to your payroll at audit, so keep certificates from every sub.
Asena Capital Insurance Services compares multiple markets for California 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.
Rates vary by carrier, classification and your history. Enter the rate from a quote or your current policy to estimate premium, or request a quote.
An experience modification factor that raises or lowers premium based on your claims history compared with similar businesses.