Asena Capital Insurance Services operates as a California-licensed commercial insurance brokerage focused on the needs of contractors and transportation businesses. Rather than limiting clients to one carrier, our insurance agents review multiple carriers to compare coverage and pricing. We work with every CSLB trade, from HVAC, plumbing, electrical, and roofing contractors to businesses specializing in concrete, painting, landscaping, and general contracting. Our services also cover limo, livery, and black car operators. Core policies include General Liability for third-party bodily injury and property damage, Workers' Compensation with ghost policy options 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 other business vehicles.
Contractor Fleet and Hired and Non-Owned Auto services address fleet policies, dump trucks, and DOT operations. For transportation and livery businesses, we provide coverage for limo, Uber Black, NEMT, and black car operations, including California TCP Class A and C carriers and TCP permit holders. TCP insurance is also available to meet CPUC permit requirements. Our specialty packages include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates for jobs, handle renewals, assist with claims, and remain available by phone. Businesses with employees need Workers' Compensation, and C-39 roofing contractors need it even without employees. From our El Cajon base, we serve businesses throughout California. Free quotes are available at (858) 925-9555, info@asenainsurance.com, or asenainsurance.com.
Contractor Fleet and Hired and Non-Owned Auto services address fleet policies, dump trucks, and DOT operations. For transportation and livery businesses, we provide coverage for limo, Uber Black, NEMT, and black car operations, including California TCP Class A and C carriers and TCP permit holders. TCP insurance is also available to meet CPUC permit requirements. Our specialty packages include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates for jobs, handle renewals, assist with claims, and remain available by phone. Businesses with employees need Workers' Compensation, and C-39 roofing contractors need it even without employees. From our El Cajon base, we serve businesses throughout California. Free quotes are available 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
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
We help California contractors obtain general liability insurance for third-party bodily injury, property damage, and completed operations claims. Coverage options are compared among multiple carriers for every CSLB trade. The service also allows us to add GCs and property owners as additional insureds while issuing certificates of insurance quickly. 
Our California contractor Workers' Compensation service brings together coverage review, classification analysis, and market evaluation. We examine employee duties, payroll, ownership, trade classification, claims history, operations, and applicable CSLB requirements before considering available insurance options. For contractors without employees, we separately review the relevant license, exemption, certificate, and Ghost Policy considerations, subject to eligibility. 
We offer workers compensation ghost policy guidance to qualifying California sole proprietors. This option generally applies to businesses with no W-2 employees and may involve subcontractors. Whether a zero-payroll arrangement is available depends on current California law, trade classification, carrier underwriting, and certificate requirements. We evaluate these factors individually for each contractor. 
Contractor license bonding is available from us for both new and renewing CSLB licensees, with the required $25,000 contractor license bond included. We also arrange LLC employee and worker bonds and bonds for qualifying individuals. Fast approvals and filing support are provided alongside bid, performance, and payment bonds for contract work. 
We provide Commercial Auto Insurance for California contractors using work trucks, vans, dump trucks, box trucks, flatbeds, trailers, and fleet vehicles for business. Our review considers vehicle ownership, drivers, garaging, operating radius, actual business use, and loss history. We also review hired and non-owned vehicle exposure and applicable contract requirements. 
We provide fleet and trucking insurance for California contractors and haulers operating dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations. Our coverage includes hired and non-owned auto insurance for employees who use their own vehicles for work. Available options include auto liability, physical damage, and cargo coverage. 
We serve California owner-operators and small fleets with box truck insurance options for commercial use. Our service provides auto liability, physical damage, motor truck cargo, and general liability coverage. It is intended for delivery, moving, and local hauling businesses. These coverage choices address the core insurance areas involved in their box truck activities. 
Cargo van insurance from our business is available for contractors, tradespeople, and delivery businesses using these vehicles commercially. We provide liability coverage for bodily injury and property damage, along with comprehensive and collision protection. Replacement cost and ACV options can be selected for physical damage coverage. Inland marine insurance is also available for tools and equipment stored 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. 
For operators of stretch limos, sedans, and SUVs, we provide limousine insurance for California TCP Class A and Class C carriers. The service offers auto liability limits that comply with CPUC permit requirements and includes physical damage coverage. We also handle fast filings, helping carriers complete the necessary insurance requirements efficiently and remain on the road. 
Our service supports Uber Black and premium rideshare drivers in California with the commercial insurance they need. Since Uber Black requires a CPUC TCP permit and commercial auto liability within CPUC limits, obtaining the proper coverage is essential. We help drivers secure the policy and take care of the required filings 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 service provides party bus and charter bus insurance for operators in California. It combines auto liability coverage at CPUC-required limits with coverage for physical damage and passengers. For TCP permit holders, we provide these specified insurance protections to address the coverage needs associated with operating party buses and charter buses. 
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 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. 
We offer Pollution Liability insurance to help contractors manage environmental incidents arising from their work. Coverage includes specified releases involving fuels, chemicals, solvents, asbestos, lead paint, and HVAC refrigerants, along with mold associated with water intrusion. Depending on the policy, protection can also include environmental cleanup, regulatory compliance expenses, attorney fees, court costs, and settlements. 
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 provide commercial property insurance designed for California businesses. Coverage can protect your building, shop, office contents, inventory, and equipment from fire, theft, and other covered losses. Business income options are also available. These options can help keep your business running after a covered 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!
Altay Tc
Sep 02, 2026
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**Asena Capital Insurance Services**
Finding reliable commercial insurance in California is an absolute nightmare. I reached out to countless agencies across the statemost never bothered to call me back, and the few that did had no idea what they were talking about.
Everything changed the moment I contacted Asena Capital Insurance Services. I sent a text and email, and they were on the phone with me almost instantly. The representative was incredibly professional, knowledgeable, and ready to dive straight into what my business needed.
As a California general contractor, getting the right coverage isn't simple. I needed a full insurance bundle:
* **General Liability**
* **Workers' Compensation**
* **Commercial Auto**
* **Business Owners Policy (BOP)**
* **Contractor License Bond**
* **Excess / Umbrella Liability**
Not only did they handle my entire portfolio seamlessly and lightning-fast, but they also saved me over $10,000.
These guys are amazing at what they do. If you are a CA contractor struggling to find an agency that actually knows their stuff and values your time, look no further. Ill be recommending Asena to every business owner I know!
Finding reliable commercial insurance in California is an absolute nightmare. I reached out to countless agencies across the statemost never bothered to call me back, and the few that did had no idea what they were talking about.
Everything changed the moment I contacted Asena Capital Insurance Services. I sent a text and email, and they were on the phone with me almost instantly. The representative was incredibly professional, knowledgeable, and ready to dive straight into what my business needed.
As a California general contractor, getting the right coverage isn't simple. I needed a full insurance bundle:
* **General Liability**
* **Workers' Compensation**
* **Commercial Auto**
* **Business Owners Policy (BOP)**
* **Contractor License Bond**
* **Excess / Umbrella Liability**
Not only did they handle my entire portfolio seamlessly and lightning-fast, but they also saved me over $10,000.
These guys are amazing at what they do. If you are a CA contractor struggling to find an agency that actually knows their stuff and values your time, look no further. Ill be recommending Asena to every business owner I know!