Insurance built for California contractors.
Asena Capital Insurance Services is a California-licensed commercial insurance brokerage serving contractors and transportation businesses. We work with multiple insurance carriers so our agents can compare coverage options and pricing and identify appropriate solutions for every CSLB trade. Our services support HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors, as well as limo, livery, and black car operators. Our core coverage includes General Liability for third-party bodily injury and property damage, Workers' Compensation, including ghost policies for owner-only contractors, CSLB contractor license bonds of $25,000, LLC employee/worker bonds and other surety bonds, and Commercial Auto for work trucks, vans, and business vehicles.We also provide Contractor Fleet and Hired and Non-Owned Auto coverage, including fleet policies, dump trucks, and DOT operations. Transportation services include livery and passenger transportation coverage for limo, Uber Black, NEMT, and black car operations, along with California TCP Class A and C limo insurance, Uber Black insurance for TCP permit holders, and TCP insurance for CPUC permit requirements. Our specialty packages include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. As an independent broker, we shop multiple carriers, issue certificates, manage renewals, assist with claims, and answer the phone. Based in El Cajon, we serve businesses statewide. Get a free quote at (858) 925-9555, info@asenainsurance.com, or asenainsurance.com.
Served areas
- California (statewide), El Cajon, Los Angeles, San Diego, San Jose, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Stockton, Riverside, Santa Ana, Irvine, Chula Vista, Fremont, Santa Clarita, San Bernardino, Modesto, Moreno Valley, Fontana, Oxnard, Huntington Beach, Glendale, Santa Rosa, Elk Grove, Ontario, Rancho Cucamonga, Oceanside, Lancaster, Garden Grove, Palmdale, Salinas, Hayward, Corona, Sunnyvale, Pomona, Escondido, Roseville, Torrance, Fullerton, Visalia, Orange, Pasadena, Victorville, Santa Clara, Thousand Oaks, Simi Valley, Vallejo, Concord, Berkeley, Clovis, Fairfield, Richmond, Antioch, Carlsbad, Downey, Costa Mesa, Murrieta, Ventura, Temecula, Santa Maria, West Covina, El Monte, Inglewood, Burbank, San Mateo, Jurupa Valley, Daly City, Rialto, Norwalk, Menifee, Vacaville, Chico, Hesperia, Vista, Compton, Carson, San Marcos, Mission Viejo, Redding, Santa Monica, Tracy, South Gate, Chino, San Leandro, Westminster, Hemet, Indio, Santa Barbara, Hawthorne, Livermore, Citrus Heights, Whittier, Merced, Lake Forest, Newport Beach, San Ramon, Redwood City, Buena Park, Manteca, Alhambra, Lakewood, Mountain View, Folsom, Tustin, Milpitas, Pleasanton, Rancho Cordova, Napa, Bellflower, Upland, Perris, Chino Hills, Alameda, Pittsburg, Apple Valley, Redlands, Turlock, Dublin, Baldwin Park, Rocklin, Redondo Beach, Camarillo, Lake Elsinore, Union City, Walnut Creek, Yuba City, Eastvale, Tulare, Palo Alto, Yorba Linda, Lynwood, Davis, Lodi, Madera, South San Francisco, Laguna Niguel, San Clemente, Brentwood, La Habra, Santa Cruz, Montebello, Porterville, Pico Rivera, Encinitas, San Rafael, La Mesa, Monterey Park, Woodland, Gardena, Cupertino, Santee, Petaluma, Gilroy, Hanford, Fountain Valley, Highland, Arcadia, National City, Diamond Bar, Huntington Park, Yucaipa, West Sacramento, Colton, San Jacinto, Paramount, Novato, Beaumont, Watsonville, Glendora, Aliso Viejo, Placentia, Cathedral City, Delano, Covina, Rosemead, Palm Desert, Cypress, Azusa, Lincoln, Cerritos, Ceres, Poway, La Mirada, Rancho Santa Margarita, Newark, Brea, San Luis Obispo, Los Banos, Morgan Hill, Palm Springs, Lompoc, Rohnert Park, El Centro, Campbell, San Bruno, Danville, Oakley, Rancho Palos Verdes, Coachella, Hollister, Culver City, San Gabriel, Bell Gardens, Pacifica, Calexico, La Puente, Adelanto, Stanton, Monrovia, Montclair, La Quinta, Martinez, Claremont, Wildomar, Temple City, Moorpark, West Hollywood, Manhattan Beach, San Juan Capistrano, San Dimas, Pleasant Hill, Foster City, Menlo Park, Bell, Los Gatos, Dana Point, Beverly Hills, Goleta, Desert Hot Springs, Seaside, San Pablo, Atwater, Lawndale, Los Altos, Paso Robles, Burlingame, Laguna Hills, La Verne, Saratoga, San Carlos, Santa Paula, Monterey, East Palo Alto, Atascadero, Suisun City, Banning, Lathrop, Walnut, Belmont, Twentynine Palms, Ridgecrest, Lemon Grove, Benicia, Wasco, Lemoore, South Pasadena, Sanger, Eureka, Brawley, Windsor, Norco, Imperial Beach, Hercules, El Cerrito, Barstow, Lafayette, Galt, Seal Beach, Reedley, Maywood, Soledad, Riverbank, Loma Linda, Selma, Dinuba, Mountain House, San Fernando, Patterson, Calabasas, Millbrae, Oakdale, Laguna Beach, Cudahy, Marina, Corcoran, Port Hueneme, American Canyon, Yucca Valley, Duarte, South Lake Tahoe, Lomita, La Cañada Flintridge, Agoura Hills, Albany, Imperial, Coronado, Oroville, Shafter, Hermosa Beach, South El Monte, Orinda, Arvin, Santa Fe Springs, Chowchilla, Pinole, Dixon, Greenfield, Arcata, Arroyo Grande, Blythe, Laguna Woods, Coalinga, El Segundo, Rancho Mirage, Moraga, Truckee, Susanville, Clearlake, Ukiah, Fillmore, Artesia, Kerman, Ripon, La Palma, Pacific Grove, California City, Red Bluff, Parlier, Mill Valley, Livingston, McFarland, Hawaiian Gardens, Grass Valley, Auburn, Avenal, Palos Verdes Estates, King City, Carpinteria, Grand Terrace, Larkspur, Solana Beach, Tehachapi, Emeryville, Marysville, San Anselmo, Grover Beach, Lindsay, Mendota, Fortuna, San Marino, Kingsburg, Commerce, Newman, Scotts Valley, Signal Hill, Half Moon Bay, Los Alamitos, Hillsborough, Healdsburg, Anderson, Piedmont, Sierra Madre, Canyon Lake, Clayton, Morro Bay, Placerville, Sonoma, Malibu, Farmersville, Shasta Lake, Exeter, Corte Madera, Calimesa, Rio Vista, Capitola, Orange Cove, Tiburon, Waterford, Live Oak, Cloverdale, Gonzales, Taft, Los Altos Hills, Orland, Rolling Hills Estates, Corning, Firebaugh, Pismo Beach, Guadalupe, Westlake Village, Yreka, Ojai, Fairfax, Cotati, Sebastopol, Hughson, Escalon, Gridley, Woodlake, Sausalito, Mammoth Lakes, Atherton, Winters, Fort Bragg, Loomis, Fowler, Crescent City, Calipatria, Colusa, Willows, Huron, Solvang, Gustine, Villa Park, Dos Palos, La Habra Heights, Holtville, Williams, St. Helena, Woodside, Calistoga, Buellton, Ione, Big Bear Lake, Lakeport, Jackson, Sonora, Willits, Needles, Brisbane, Paradise, Indian Wells, Portola Valley, Del Mar, Bishop, Wheatland, San Joaquin, Angels Camp, Monte Sereno, Avalon, Yountville, Rio Dell, Mount Shasta, Carmel-by-the-Sea, Nevada City, Weed, Alturas, Sutter Creek, Ross, Belvedere, Portola, San Juan Bautista, Westmorland, Colfax, Biggs, Rolling Hills, Hidden Hills, Dunsmuir, Del Rey Oaks, Colma, Irwindale, Ferndale, Montague, Blue Lake, Plymouth, Maricopa, Bradbury, Tulelake, Dorris, Isleton, Loyalton, Fort Jones, Etna, Point Arena, Tehama, Sand City, Trinidad, City of Industry, Vernon, Amador City
Business details
- Licensed
- Insured
Highlights and features
- General Liability insurance
- Workers' Compensation insurance
- Ghost policy workers' comp
- CSLB contractor license bonds
- Surety bonds
- Commercial Auto insurance
- Contractor fleet & HNOA insurance
- Dump truck & DOT insurance
- Livery & passenger transportation insurance
- Limo insurance (TCP Class A & C)
- Uber Black insurance
- NEMT & black car insurance
- TCP / CPUC permit insurance
- BOP / Business Owner's Policy
- Artisan Contractor Package
- Builder's Risk insurance
- Professional Liability (E&O)
- Pollution Liability insurance
- Excess Liability / Umbrella
- Inland Marine / tools & equipment
- Multiple carriers compared for every quote
- Certificates of insurance (COIs)
- Serving all CSLB trades statewide
Associations and certifications
- California Department of Insurance License #6008596
- Licensed California insurance broker
Payment methods
- Cash, Checks, Debit cards, Credit cards, Mobile payments, Bank transfers, Financing available
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Services
General liability coverage for California contractors is available through our service for third-party bodily injury, property damage, and completed operations claims. We compare multiple carriers serving every CSLB trade. In addition, we can include GCs and property owners as additional insureds and provide certificates of insurance quickly when needed. 
We provide California contractors with Workers' Compensation reviews focused on employee status, payroll, trade classification, ownership, claims history, and operations. We shop multiple insurance markets to identify available coverage options based on current business information. Our review also considers applicable CSLB requirements, certificate needs, and eligibility for no-employee coverage paths, subject to carrier underwriting. 
We provide ghost policy workers compensation options for eligible California sole proprietors with no employees. This zero-payroll arrangement may be available when permitted by current law and accepted by the carrier, client, or certificate holder. Eligibility depends on trade classification, licensing, ownership, and other individual circumstances. We review these requirements before proceeding. 
Our contractor license bond services support both new and renewing CSLB licensees, including the required $25,000 bond. We also provide LLC employee and worker bonds and bonds for qualifying individuals. With fast approvals and filing support, we help address bonding needs while also offering bid, performance, and payment bonds for contract work. 
Our Commercial Auto review is designed around the actual vehicle situation of each California contracting business. Eligible work trucks, vans, dump trucks, box trucks, flatbeds, trailers, and fleet vehicles may be evaluated. We examine ownership, use, garaging, drivers, operating radius, vehicle and loss details, as well as hired or non-owned auto exposure. 
Our Contractor Fleet, Trucking & HNOA coverage is designed for California contractors and haulers with dump trucks, box trucks, multi-vehicle fleets, or DOT-regulated operations. We also provide hired and non-owned auto protection for employees driving personal vehicles on the job. Coverage options include auto liability, physical damage, and cargo insurance. 
We specialize in box truck insurance for owner-operators and small fleets throughout California. Available coverage includes auto liability, physical damage, motor truck cargo, and general liability. These options serve delivery, moving, and local hauling businesses. Our insurance service brings together the principal coverage types needed by businesses operating box trucks. 
We provide coverage for commercial cargo vans operated by contractors, tradespeople, and delivery businesses. Liability insurance addresses bodily injury and property damage and satisfies California minimum requirements for commercial vans. Our physical damage options include comprehensive and collision coverage with replacement cost or ACV alternatives. Inland marine coverage is available when tools and equipment are stored in or transported by the cargo van. 
Livery and passenger transportation insurance for California operators: limousine, Uber Black, black car, sedan service and non-emergency medical transportation (NEMT). Coverage built to meet CPUC requirements for TCP permit holders. 
We offer dedicated limousine insurance for California TCP Class A and Class C carriers operating stretch limos, sedans, or SUVs. Auto liability coverage is available at limits required for CPUC permits, and physical damage coverage is also provided. In addition, our fast filings help keep the insurance process moving efficiently so your vehicles can stay on the road. 
Uber Black and premium rideshare drivers in California can use our commercial insurance service to address their required coverage. Uber Black requires a CPUC TCP permit as well as commercial auto liability that meets CPUC limits. We help obtain the appropriate policy and provide assistance with the filings needed to complete the activation process. 
TCP (Transportation Charter Party) insurance for California passenger carriers. We place commercial auto liability that meets CPUC permit requirements and handle the insurance filing for new permits and renewals. 
We provide California operators with insurance for party bus and charter bus services. Auto liability is covered at CPUC-required limits, while physical damage and passenger coverage are also included. For operators holding TCP permits, this service provides coverage across these specified areas, supporting the insurance requirements connected with party bus operations. 
A business owner's policy (BOP) bundles general liability with business property and business income coverage in one policy, often for less than buying them separately. Ideal for small California contractors with an office, shop, tools or inventory. 
We offer California's artisan and specialty trade contractors a complete selection of insurance options within one package. Available protection covers general liability, tools and equipment, commercial auto, and workers' compensation. The package is designed around the needs of electricians, plumbers, HVAC technicians, painters, carpenters, and other specialty trade contractors. 
We help review Builder's Risk Insurance considerations for projects ranging from smaller construction values to projects exceeding $5 million. Our process considers construction type, materials, phases, occupancy, site security, fire and water controls, catastrophe exposure, lenders, and project schedules. Coverage may apply to eligible structures and materials, while exclusions and terms remain subject to underwriting. 
Our contractors professional liability insurance is available to design-build firms, consultants, and contractors who perform design, engineering, or project management work. Coverage applies when a claim alleges that professional advice or design caused financial loss. We provide protection for businesses whose professional services become the subject of such financial claims. 
Contractors Pollution Liability coverage helps us address pollution risks that are not covered by standard General Liability policies. The service includes protection for qualifying fuel, chemical, asbestos, lead paint, refrigerant, mold, and biological-agent incidents. Coverage may further extend to third-party environmental cleanup expenses, regulatory compliance costs, and legal defense expenses arising from pollution-related claims. 
Through our excess liability and umbrella insurance, we add $1 million to $5 million or more in coverage limits beyond existing policies. The additional protection sits above general liability, commercial auto, and employers liability insurance. General contractors and commercial projects frequently call for higher limits, and we help California contractors fulfill those requirements affordably. 
We offer California businesses commercial property insurance that addresses several important areas of property protection. Coverage can include the building, shop, office contents, inventory, and equipment following fire, theft, or other covered losses. Business income options may be added. These options can help support continued business operations after a claim.
Reviews (3)
Brusk K.
Sep 26, 2026
Agil G.
Sep 25, 2026
Been running my roofing company out of Sacramento for about 9 years now and honestly I dreaded every renewal. Was with one of those big name carriers forever and the rate hikes just kept getting worse. My buddy told me to call this insurance agency that only does contractors insurance in California so I figured why not. Night and day difference. They actually understood roofing risk instead of just plugging numbers into a computer. Bundled my general liability and commercial auto together and cut my premium by almost 4 grand a year. If you're a CA contractor tired of getting beat up on renewals, just call them. Wish I did it sooner. Thank you guys!
M. Jaber
Mar 30, 2021