California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Required for every California contractor with employees, and for C-8, C-20, C-22, C-39 and C-61/D-49 licenses even without employees. From January 1, 2028 (SB 1455), CSLB will require it for all active licenses except joint ventures.
Riverside has 2,626 active CSLB contractor licenses (September 2026), #7 among California cities. 51% carry a workers' comp policy, 45% are on file as exempt, and 183 licenses were issued here in the last 12 months. The largest group is B (925 licenses).
337 Riverside licenses are C-8 concrete, C-20 HVAC or C-39 roofing — classifications that must carry workers' comp now. 30 licenses based in Riverside are currently suspended for workers' comp, and 1,181 exempt licenses will need a policy by January 1, 2028.
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| B General Building Contractor | 925 | 43% | 54% | 72 |
| C-10 Electrical Contractor | 336 | 51% | 46% | 21 |
| C-61 Limited Specialty | 264 | 58% | 37% | 8 |
| C-36 Plumbing Contractor | 207 | 53% | 43% | 11 |
| C-20 Warm-Air Heating, Ventilating and Air-Conditioning Contractor | 192 | 97% | 0% | 10 |
| A General Engineering Contractor | 177 | 62% | 32% | 11 |
| C-27 Landscaping Contractor | 141 | 61% | 35% | 10 |
| C-33 Painting and Decorating Contractor | 140 | 49% | 49% | 9 |
| C-15 Flooring and Floor Covering Contractors | 88 | 51% | 44% | 3 |
| C-8 Concrete Contractor | 78 | 90% | 0% | 3 |
Corona (1,447 licenses), Temecula (1,087 licenses), Murrieta (914 licenses), Moreno Valley (743 licenses), Perris (700 licenses).
Asena Capital Insurance Services compares multiple markets for Riverside 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.
Required for every California contractor with employees, and for C-8, C-20, C-22, C-39 and C-61/D-49 licenses even without employees. From January 1, 2028 (SB 1455), CSLB will require it for all active licenses except joint ventures.
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.