We provide commercial insurance through Asena Capital Insurance Services, a California-licensed brokerage established for contractors and transportation businesses. Our agents review multiple insurance carriers to compare available coverage and prices, serving businesses across every CSLB trade. Our contractor clientele includes HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors, while our transportation services extend to limo, livery, and black car operators. General Liability protects against third-party bodily injury and property damage, while Workers' Compensation is available with ghost policy options for owner-only contractors. We also provide $25,000 CSLB contractor license bonds, LLC employee/worker bonds, other surety bonds, and Commercial Auto for work trucks, vans, and business vehicles.
Businesses requiring broader transportation coverage can obtain Contractor Fleet and Hired and Non-Owned Auto policies, including fleet, dump truck, and DOT operations coverage. Livery and passenger transportation insurance covers limo, Uber Black, NEMT, and black car operations, with solutions for California TCP Class A and C carriers, TCP permit holders, and 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 instead of pushing one company's policy. We issue certificates, manage renewals, assist with claims, and answer the phone. From El Cajon, we serve businesses throughout California. Free quotes are available by calling (858) 925-9555, emailing info@asenainsurance.com, or visiting asenainsurance.com.
Businesses requiring broader transportation coverage can obtain Contractor Fleet and Hired and Non-Owned Auto policies, including fleet, dump truck, and DOT operations coverage. Livery and passenger transportation insurance covers limo, Uber Black, NEMT, and black car operations, with solutions for California TCP Class A and C carriers, TCP permit holders, and 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 instead of pushing one company's policy. We issue certificates, manage renewals, assist with claims, and answer the phone. From El Cajon, we serve businesses throughout California. Free quotes are available by calling (858) 925-9555, emailing info@asenainsurance.com, or visiting 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
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. 
We help California contractors navigate Workers' Compensation reviews by matching the assessment to their business structure and license classification. Our review considers payroll, employee duties, ownership, claims history, trade operations, subcontractors, and certificate requirements. We shop eligible insurance markets and distinguish standard employee coverage from classification-specific or no-employee review paths, subject to underwriting. 
Our California ghost policy service is designed for eligible sole proprietor contractors who have no direct employees. The arrangement provides a potential zero-payroll workers compensation option where legally permitted. We review contractor license classification, ownership, employee status, and subcontractor relationships. Carrier acceptance and client or certificate holder requirements must also be satisfied. 
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. 
We review Commercial Auto coverage for California contractors based on the business use of their vehicles. Work trucks, vans, dump trucks, box trucks, flatbeds, trailers, and fleets can be included in the review when eligible. Important considerations include vehicle ownership, driver records, garaging, operating radius, loss history, requested limits, and contractual insurance requirements. 
For contractors and haulers in California, our fleet and trucking insurance service addresses dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations. We also provide hired and non-owned auto coverage for employees who operate their personal vehicles on the job. Insurance options include auto liability, physical damage, and cargo coverage. 
Our box truck insurance service supports California owner-operators and small fleets with several essential coverage options. We offer auto liability, physical damage, motor truck cargo, and general liability insurance. The coverage is intended for businesses engaged in delivery, moving, and local hauling. We provide these insurance options to address the specific needs of these operations. 
Our commercial cargo van insurance supports California contractors, tradespeople, and delivery businesses with coverage suited to their operations. Liability protection includes bodily injury and property damage coverage. For the van itself, comprehensive and collision options are available with replacement cost or ACV choices. Tools and equipment may also be covered through inland marine insurance when 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. 
Our limousine insurance is designed for California TCP Class A and Class C carriers using stretch limos, sedans, and SUVs. We offer auto liability limits that meet CPUC permit requirements and provide physical damage coverage for qualifying vehicles. Fast filings are also available, supporting efficient compliance and helping your transportation operation stay on the road. 
We provide commercial insurance for Uber Black and premium rideshare drivers operating in California. Uber Black drivers must have a CPUC TCP permit and commercial auto liability coverage that satisfies CPUC limits. Our service helps drivers obtain the required policy and complete the necessary filings. These steps support the activation process for qualifying rideshare operations. 
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 party bus and charter bus insurance is available to operators throughout California. Coverage encompasses auto liability at CPUC-required limits, together with physical damage protection and passenger coverage. The service is intended for TCP permit holders and addresses the core insurance categories applicable to their party bus and charter 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 have developed an insurance package specifically for California's artisan and specialty trade contractors. The package offers general liability, tools and equipment coverage, commercial auto, and workers' compensation options. Our solutions are designed with electricians, plumbers, HVAC technicians, painters, carpenters, and other skilled trades in mind. 
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. 
We provide insurance for professional liability risks faced by design-build firms, consultants, and contractors performing design, engineering, or project management services. Coverage applies to claims involving allegations that professional advice or design caused financial loss. This service is specifically structured around the professional services exposures described by these types of businesses. 
Contractors can obtain specialized Contractors Pollution Liability coverage for environmental incidents arising from construction, installation, repair, remediation, and related operations. Covered exposures include specified fuel and chemical releases, asbestos and lead paint disturbance, HVAC refrigerant releases, and mold caused by water intrusion. Protection may also extend to cleanup, regulatory compliance, defense, court costs, and settlements. 
We offer California contractors access to excess liability and umbrella insurance that provides $1 million to $5 million or more in additional limits. The added limits are positioned above general liability, commercial auto, and employers liability coverage. Higher insurance limits may be required by general contractors and commercial jobs, and we help meet 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
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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!