Two Coverages Every CA Contractor Needs
Workers' Comp and Commercial Auto are legally required for most California contractors. We specialize in both — and bundle savings are available.
Workers' Compensation
Required by CA Labor Code §3700
- ✓Covers medical bills & lost wages for injured employees
- ✓Required by CA law for all employers (Labor Code §3700)
- ✓SB 216 compliance for C-8, C-20, C-22, C-39, D-49 trades
- ✓Ghost policy available for sole proprietors with zero employees
- ✓WCIRB-compliant rates across 20+ trade classifications
- ✓COI processing issuance for active policies
Commercial Auto
Personal auto won't cover business use
- ✓Covers liability, collision & comprehensive for work vehicles
- ✓Required by CA law — personal auto does NOT cover business use
- ✓Covers pickup trucks, vans, flatbeds, box trucks & fleets
- ✓Hired & non-owned auto (HNOA) for rented or employee vehicles
- ✓Uninsured motorist coverage for CA roads
- ✓Multi-vehicle fleet discounts available
How the Free Policy Audit Works
Three steps. Five minutes. Zero obligation.
Submit Your Info
Tell us your trade, employee count, and current policy status. Takes under 2 minutes.
We Shop Multiple insurance markets
Our licensed brokers compare rates across our full carrier network — including markets not available direct.
Get Your Audit Results
We call or email you within 1–2 business hours with your options. No pressure, no obligation.
Common Questions
How much does workers comp insurance cost for California contractors?
Workers' comp rates for California contractors typically range from $1.50 to $15.00 per $100 of payroll depending on trade classification. Roofers (C-39) are among the highest at $8–$15/100, while office-based trades may be as low as $1.50/100. Contact us for a free rate comparison across multiple insurance markets.
Do I need commercial auto insurance if I use my personal truck for work?
Yes. Personal auto insurance policies explicitly exclude business use. If you use your vehicle to transport tools, materials, or employees to job sites, you need commercial auto insurance. A claim denied because of business use could leave you personally liable for hundreds of thousands of dollars.
How fast can I get a workers comp or commercial auto quote?
We typically respond within 1–2 business hours during business days. For most standard trades, we can bind coverage and issue a certificate of insurance the timely. Submit the form above and we'll reach out immediately.
Ready to Stop Overpaying?
Fill out the form above or call us directly. We're California-licensed, contractor-specialized, and ready to help.
📞 Call (858) 925-9555· info@asenainsurance.com ·