Insurance built for California contractors.
Asena Capital Insurance Services is a California-licensed commercial insurance brokerage serving the insurance needs of contractors and transportation businesses. We operate independently, with our agents comparing multiple insurance carriers to help identify suitable coverage at the right price. Our services cover every CSLB trade, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors. We also provide insurance for limo, livery, and black car operators. Our core offerings are General Liability for third-party bodily injury and property damage, Workers' Compensation with ghost policies for owner-only contractors, $25,000 CSLB contractor license bonds, LLC employee/worker bonds, other surety bonds, and Commercial Auto for work trucks, vans, and business vehicles.
Contractor Fleet and Hired and Non-Owned Auto coverage is available for fleet policies, dump trucks, and DOT operations. Our transportation and livery services address limo, Uber Black, NEMT, and black car operations, as well as California TCP Class A and C carriers and Uber Black TCP permit holders. We also provide TCP insurance for CPUC permit requirements. Specialty packages include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates of insurance for jobs, manage renewals, help with claims, and answer the phone. California contractors with employees need Workers' Compensation, and C-39 roofing contractors need it even without employees. From our El Cajon location, we serve businesses throughout California, including Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, and the Inland Empire. For a free quote, call (858) 925-9555, email info@asenainsurance.com, or visit 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
Services
California contractors can obtain general liability insurance through our service, with protection addressing third-party bodily injury, property damage, and completed operations claims. We review multiple carriers for each CSLB trade and provide coverage options accordingly. We also accommodate additional insured requests for GCs and property owners and issue certificates quickly. 
For California contractors seeking Workers' Compensation coverage, we assess the information needed for an informed insurance review. Payroll, employee responsibilities, class codes, ownership, claims history, operations, and licensing context are evaluated as part of the process. Contractors without employees may require a separate eligibility discussion involving CSLB classifications, exemptions, certificates, or Ghost Policy options. 
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. 
We provide contractor license bonds for new and renewing CSLB licensees, including the required $25,000 contractor license bond. Our services also cover LLC employee and worker bonds, as well as bonds for qualifying individuals. We offer fast approvals and filing support, along with bid, performance, and payment bonds for contract work. 
We assist California contractors with reviewing Commercial Auto options for vehicles used in company operations. The review can address work trucks, vans, dump trucks, box trucks, flatbeds, trailers, and multiple vehicles. We assess the information relevant to underwriting, including drivers, vehicle ownership, garaging, operating radius, business use, loss history, and contract requirements. 
We offer insurance solutions for California contractors and haulers requiring coverage for trucking and commercial fleets. Protection is available for dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations, along with hired and non-owned auto coverage for employees using their own vehicles at work. Auto liability, physical damage, and cargo options are available. 
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 offer cargo van insurance for commercial operators, including contractors, tradespeople, and delivery businesses. Available liability coverage addresses bodily injury and property damage while meeting California minimum requirements for commercial vans. Physical damage coverage can include comprehensive and collision with replacement cost or ACV options. Inland marine coverage is also offered for tools and equipment stored within or transported by the 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. 
California TCP Class A and Class C carriers operating stretch limousines, sedans, and SUVs can use our limousine insurance service. We provide compliant auto liability limits for CPUC permit requirements and include physical damage coverage. Fast filings are also offered to help complete required insurance procedures efficiently, supporting your ability to keep your vehicles operating on the road. 
We offer commercial insurance assistance to Uber Black and premium rideshare drivers throughout California. The requirements for Uber Black include a CPUC TCP permit and commercial auto liability coverage that meets established CPUC limits. We help drivers obtain the appropriate insurance policy and complete the necessary filings, allowing them to address the requirements for activation. 
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. 
Our insurance service supports California party bus and charter bus operators with essential commercial coverage. Policies include auto liability that meets CPUC-required limits, along with protection for physical damage and passengers. Coverage is available for operators with TCP permits, helping address the specific insurance requirements associated with these transportation services. 
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. 
For California artisan and specialty trade contractors, we provide a comprehensive package of insurance options. General liability, tools and equipment, commercial auto, and workers' compensation coverage are available within the package. The offerings are designed around the requirements of electricians, plumbers, HVAC technicians, painters, carpenters, and other trades. 
Builder's Risk Insurance reviews address the property and materials associated with an active construction project. We consider project value, construction details, ownership, lender interests, site security, engineering controls, and the construction schedule. Available coverage is reviewed for fire, smoke, weather, theft, vandalism, water damage, on-site materials, and transit. All terms remain subject to underwriting. 
Contractors professional liability insurance helps cover design-build firms, consultants, and contractors that provide design, engineering, or project management services. Our coverage addresses claims alleging that professional advice or design resulted in financial loss. Businesses can use this protection for claims connected to the professional services and advice they provide. 
California contractors can use Contractors Pollution Liability coverage to fill the pollution protection gap left by standard General Liability policies. Depending on the trade and operations, coverage addresses releases from equipment or job-site activities, asbestos and lead paint disturbance, refrigerant incidents, and construction-related mold. It also provides coverage for specified cleanup, regulatory, defense, court, and settlement costs. 
We offer excess liability and umbrella insurance designed to provide an additional $1 million to $5 million or more in limits. These added limits apply above general liability, commercial auto, and employers liability coverage. Higher limits are often required by general contractors and commercial projects. We assist California contractors in meeting those requirements affordably. 
California businesses can obtain commercial property insurance for a range of essential property. Our coverage applies to buildings, shops, office contents, inventory, and equipment when affected by fire, theft, or other covered losses. Business income options may further support continued operations. This coverage helps businesses remain running after a claim.
Reviews (3)
Brusk K.
Sep 26, 2026
Klisia Outdoor
Sep 26, 2026
Workers comp for excavation work is a straight up nightmare in California. Got canceled by two carriers before I even hit my second year. This guys (the agency) actually sat down and listened to how we run our crews and our safety program and found a carrier that would write us without absolutely destroying me on price. They also pulled through on a performance bond for a commercial job when my old broker basically said good luck. If you do concrete or excavation and need workers comp or a bond in CA, these are the people to call. They pick up the phone too which says a lot these days
M. Jaber
Mar 30, 2021