Why Contractors Choose Asena
As an independent broker licensed in California, we work for you — not the insurance company. Here's exactly why that matters for your business.
Our Advantages
Six reasons California contractors trust Asena Capital for their insurance needs.
Independent Broker — Multiple insurance markets
We work for you, not the insurance company. We shop multiple insurance markets simultaneously to find the competitive rate for your specific trade, history, and risk profile. A captive agent can only offer one company's products.
Competitive Pricing
We compare options across multiple markets to help you find competitive pricing for your trade and history.
timely Certificate of Insurance
Need a COI today? We deliver certificates of insurance within hours, not days. Your job sites and GCs won't wait — and neither do we. Available 7 days a week.
Contractor Specialists Only
We focus exclusively on contractor insurance. We know every CSLB license classification, every WC class code, and which carriers write the toughest trades. General agents don't have this expertise.
CSLB Compliance Experts
We know California's CSLB requirements inside and out. SB 216, ghost policies, license bonds — we make sure your coverage meets every requirement before you need it, not after a claim.
Claims Advocacy
When you have a claim, we're in your corner — we help you report it, explain the process, and follow up with the carrier.
Annual Policy Reviews
Your business changes — your insurance should too. We review your policies every year to make sure you're not overpaying, underinsured, or missing new coverage options.
California-Only Specialist
We serve contractors across all 58 California counties. We know the local markets, the regional carriers, and the specific requirements for every county and municipality in the state.
Side-by-Side Comparison
See exactly why an independent broker gives California contractors a clear advantage.
| FEATURE | ✓ ASENA CAPITAL | Captive Agent | Going Direct |
|---|---|---|---|
| Access to Multiple Carriers | ✓ multiple insurance markets | ✗ | ✗ |
| Shops for Best Rate | ✓ Yes — always | ✗ | ✗ |
| Compares multiple markets | ✓ Yes | ✗ | ✗ |
| Contractor Insurance Specialists | ✓ Yes — trade experts | ✗ | ✗ |
| timely Certificate of Insurance | ✓ Yes — typically available | ✗ | ✗ |
| CSLB Compliance Guidance | ✓ We explain applicable requirements | ✗ | ✗ |
| Workers' Comp for High-Risk Trades | ✓ Specialty carriers | ✗ | ✗ |
| Claims Advocacy | ✓ We fight for you | ✗ | ✗ |
| Annual Policy Review | ✓ Every renewal | ✗ | ✗ |
| Additional Insured Endorsements | ✓ We request additional insured endorsements for you. | ✗ | ✗ |
| California-Only Specialist | ✓ 100% CA focused | ✗ | ✗ |
| Cost | ✓ Best rate available | ✗ | ✗ |
Get a Free Quote in Minutes
We'll shop multiple insurance markets and show you exactly what you can save. · Independent Broker · Serving all of California.