California contractors and transportation businesses can obtain commercial insurance through Asena Capital Insurance Services, a California-licensed brokerage. We compare policies from multiple insurance carriers instead of offering only one company's policy, allowing our agents to review coverage and pricing for the businesses we serve. Our contractor insurance services apply to every CSLB trade, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contracting. Limo, livery, and black car operators are also part of our service area. Coverage includes 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.
Our broader transportation services include Contractor Fleet and Hired and Non-Owned Auto coverage, fleet policies, dump trucks, and DOT operations. We insure livery and passenger transportation operations involving limos, Uber Black, NEMT, and black cars, including California TCP Class A and C carriers and TCP permit holders. TCP insurance is also available for CPUC permit requirements. Specialty options consist of BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates of insurance, oversee renewals, assist with claims, and answer the phone. Businesses with employees must have Workers' Compensation, and C-39 roofing contractors must carry it even with no employees. Based in El Cajon, we serve California businesses statewide, including Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, and the Inland Empire. Call (858) 925-9555, email info@asenainsurance.com, or visit asenainsurance.com for a free quote.
Our broader transportation services include Contractor Fleet and Hired and Non-Owned Auto coverage, fleet policies, dump trucks, and DOT operations. We insure livery and passenger transportation operations involving limos, Uber Black, NEMT, and black cars, including California TCP Class A and C carriers and TCP permit holders. TCP insurance is also available for CPUC permit requirements. Specialty options consist of BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates of insurance, oversee renewals, assist with claims, and answer the phone. Businesses with employees must have Workers' Compensation, and C-39 roofing contractors must carry it even with no employees. Based in El Cajon, we serve California businesses statewide, including Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, and the Inland Empire. Call (858) 925-9555, email info@asenainsurance.com, or visit asenainsurance.com for a free quote.
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
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
Our general liability insurance service is designed for California contractors and addresses third-party bodily injury, property damage, and completed operations claims. We compare coverage options from multiple carriers for every CSLB trade. Additional insureds can be added for GCs and property owners, while certificates of insurance are issued promptly. 
California contractors can use our Workers' Compensation review to assess coverage needs using current business and licensing information. We consider employee status, payroll, class codes, ownership, claims, operations, and applicable CSLB requirements. When no employees are involved, our review addresses exemption considerations and Ghost Policy eligibility, while all coverage remains subject to carrier eligibility and underwriting. 
We assist California sole proprietors seeking a workers compensation option without direct employee payroll. A ghost policy may provide a zero-payroll arrangement when the contractor qualifies and the carrier accepts the risk. Trade classification, license status, ownership, and subcontractor relationships are relevant to eligibility. Certificate requests and current California requirements must also be considered. 
New and renewing CSLB licensees can obtain contractor license bonds through our service, including the required $25,000 bond. We also handle LLC employee and worker bonds and bonds for qualifying individuals. Our process includes fast approvals and filing support, while our bonding options also cover bid, performance, and payment requirements for contract work. 
We provide a Commercial Auto review for California contractors seeking coverage consideration for business-use vehicles. Personal auto policies may restrict commercial activity, making an accurate review of vehicle use important. Our process considers pickups, vans, dump trucks, box trucks, flatbeds, trailers, fleets, drivers, garaging, operating radius, loss history, and applicable contract requirements. 
California contractors and haulers can use our fleet and trucking insurance service for dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations. We extend coverage options to hired and non-owned auto situations involving employees who use their own vehicles on the job. Auto liability, physical damage, and cargo coverage are available. 
For California owner-operators and small fleets, we offer box truck insurance covering auto liability, physical damage, motor truck cargo, and general liability. Our service is structured for delivery, moving, and local hauling businesses. By providing these coverage options, we support businesses that rely on box trucks for their regular local operations. 
We offer commercial cargo van coverage tailored to the needs of contractors, tradespeople, and delivery businesses. Protection can include bodily injury and property damage liability, as well as comprehensive and collision coverage for the van. Replacement cost and ACV options are available. Inland marine coverage applies to tools and equipment stored in or transported by the vehicle. 
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 serve California TCP Class A and Class C carriers seeking limousine insurance for stretch limos, sedans, and SUVs. Our service combines auto liability limits that satisfy CPUC permit requirements with physical damage coverage. Fast filings help facilitate the required insurance process, allowing carriers to handle their filing needs efficiently while keeping their vehicles on the road. 
Our commercial insurance service is available to California drivers operating Uber Black and premium rideshare services. For Uber Black, a CPUC TCP permit and commercial auto liability coverage meeting CPUC limits are required. We assist drivers in obtaining the necessary policy and completing the filings associated with these requirements so the service can be activated. 
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 offer California operators insurance for both party buses and charter buses, covering the principal areas required for these services. The coverage includes auto liability at CPUC-required limits, along with protection for physical damage and passengers. TCP permit holders can obtain this combination of coverage for their transportation 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. 
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. 
We conduct project-specific reviews for Builder's Risk Insurance, considering the construction contract, property interests, and policy terms. Available coverage may address eligible structures and specified materials against covered fire, smoke, explosion, weather, theft, vandalism, and accidental water damage. We also evaluate on-site and transit materials. Eligibility, exclusions, pricing, and extensions depend on underwriting. 
Our service provides contractors professional liability insurance to businesses involved in design-build work, consulting, design, engineering, or project management. When a claim states that professional advice or design caused a financial loss, the coverage addresses that claim. We help provide insurance protection for the professional liability associated with these services. 
Our Contractors Pollution Liability service is intended for California trades with exposures that standard General Liability policies exclude. Eligible risks include fuel and chemical spills, asbestos and lead paint disturbance, refrigerant releases, and mold from construction or remediation work. The coverage also addresses qualifying third-party cleanup expenses, regulatory compliance costs, and defense-related legal expenses. 
Our excess liability and umbrella insurance solutions offer $1 million to $5 million or more in limits beyond primary liability coverage. They provide additional limits over general liability, commercial auto, and employers liability policies. Many general contractors and commercial jobs require this higher level of coverage. We help California contractors address those requirements affordably. 
Commercial property insurance is available from us for California businesses that need protection for their property and contents. Coverage may apply to buildings, shops, office contents, inventory, and equipment affected by fire, theft, and other covered losses. Business income options can also be included. These options help support continued operations after a claim.
Reviews (3)
Klisia Outdoor
Sep 26, 2026
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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
Agil G.
Sep 25, 2026
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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!
Coastline Home Services
Sep 09, 2026
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Review
I had a great experience working with Turan at Asena Capital Insurance Services for my commercial general liability insurance. After reaching out to three different agencies, Turan stood out immediately by getting me a quote faster than anyone else and securing the best price. He was extremely helpful, knowledgeable, and took the time to professionally explain every single coverage detail on the policy. If you need reliable, fast, and top-tier service for your insurance needs, I highly recommend reaching out to Turan and the team at Asena Capital!
I had a great experience working with Turan at Asena Capital Insurance Services for my commercial general liability insurance. After reaching out to three different agencies, Turan stood out immediately by getting me a quote faster than anyone else and securing the best price. He was extremely helpful, knowledgeable, and took the time to professionally explain every single coverage detail on the policy. If you need reliable, fast, and top-tier service for your insurance needs, I highly recommend reaching out to Turan and the team at Asena Capital!