Asena Capital Insurance Services is a California-licensed commercial insurance brokerage built for contractors and transportation businesses. Our team of insurance agents compares multiple carriers to find the right coverage at the right price for every CSLB trade, from HVAC, plumbing, electrical and roofing to concrete, painting, landscaping and general contractors, plus limo, livery and black car operators.
CORE COVERAGE
General Liability third-party bodily injury and property damage
Workers' Compensation including ghost policies for owner-only contractors
CSLB contractor license bonds ($25,000), LLC employee/worker bonds and other surety bonds
Commercial Auto work trucks, vans and business vehicles
Contractor Fleet & Hired and Non-Owned Auto (HNOA) fleet policies, dump trucks and DOT operations
TRANSPORTATION & LIVERY
Livery and passenger transportation limo, Uber Black, NEMT and black car
Limo insurance for California TCP Class A and C carriers
Uber Black insurance for TCP permit holders
TCP insurance to meet CPUC permit requirements
SPECIALTY PACKAGES
BOP / Business Owner's Policy GL and property bundled for small contractors
Artisan Contractor Package a complete package for specialty trade contractors
Builder's Risk new construction and major remodels
Professional Liability (E&O) design-build errors and omissions
Pollution Liability contractors environmental and pollution cleanup coverage
Excess Liability / Umbrella extra limits above your primary policies
Inland Marine tools, equipment and materials at job sites
WHY CHOOSE ASENA CAPITAL
As an independent broker, we shop multiple insurance carriers instead of pushing one company's policy. We issue certificates of insurance for your jobs, handle renewals and help with claims and we answer the phone.
DO CALIFORNIA CONTRACTORS NEED WORKERS' COMP?
If you have employees, yes. The CSLB requires every licensee to keep a workers' comp certificate or a valid exemption on file to keep the license active, and roofing (C-39) contractors must carry workers' comp even with no employees.
Based in El Cajon and serving businesses in every California city Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, the Inland Empire and statewide.
Get a free quote: call (858) 925-9555, email info@asenainsurance.com, or visit asenainsurance.com.
Asena Capital Insurance Services 1651 E Main St, Ste 202, El Cajon, CA 92021 CA License #6008596
CORE COVERAGE
General Liability third-party bodily injury and property damage
Workers' Compensation including ghost policies for owner-only contractors
CSLB contractor license bonds ($25,000), LLC employee/worker bonds and other surety bonds
Commercial Auto work trucks, vans and business vehicles
Contractor Fleet & Hired and Non-Owned Auto (HNOA) fleet policies, dump trucks and DOT operations
TRANSPORTATION & LIVERY
Livery and passenger transportation limo, Uber Black, NEMT and black car
Limo insurance for California TCP Class A and C carriers
Uber Black insurance for TCP permit holders
TCP insurance to meet CPUC permit requirements
SPECIALTY PACKAGES
BOP / Business Owner's Policy GL and property bundled for small contractors
Artisan Contractor Package a complete package for specialty trade contractors
Builder's Risk new construction and major remodels
Professional Liability (E&O) design-build errors and omissions
Pollution Liability contractors environmental and pollution cleanup coverage
Excess Liability / Umbrella extra limits above your primary policies
Inland Marine tools, equipment and materials at job sites
WHY CHOOSE ASENA CAPITAL
As an independent broker, we shop multiple insurance carriers instead of pushing one company's policy. We issue certificates of insurance for your jobs, handle renewals and help with claims and we answer the phone.
DO CALIFORNIA CONTRACTORS NEED WORKERS' COMP?
If you have employees, yes. The CSLB requires every licensee to keep a workers' comp certificate or a valid exemption on file to keep the license active, and roofing (C-39) contractors must carry workers' comp even with no employees.
Based in El Cajon and serving businesses in every California city Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, the Inland Empire and statewide.
Get a free quote: call (858) 925-9555, email info@asenainsurance.com, or visit asenainsurance.com.
Asena Capital Insurance Services 1651 E Main St, Ste 202, El Cajon, CA 92021 CA License #6008596
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
General liability insurance for California contractors covers third-party bodily injury, property damage and completed operations claims. We compare multiple carriers for every CSLB trade, add additional insureds for GCs and property owners, and issue certificates of insurance fast. Quotes for HVAC, plumbing, electrical, roofing, concrete, painting, landscaping and general contractors statewide. 
Workers' comp insurance for California contractors with employees. The CSLB requires a workers' comp certificate or valid exemption on file to keep your license active, and C-39 roofers must carry it even with no employees. We shop multiple carriers for competitive rates, accurate class codes and fewer audit surprises. 
A ghost policy is a minimum-premium workers' comp policy for owner-only contractors with no employees. It gives you a valid certificate of workers' comp for CSLB, general contractors and job sites that require proof of coverage. Fast quotes for California sole proprietors, LLCs and corporations. 
California contractor license bonds for new and renewing CSLB licensees, including the required $25,000 contractor license bond, LLC employee/worker bonds and bonds of qualifying individuals. Fast approvals and filing support, plus bid, performance and payment bonds for contract work. 
Commercial auto insurance for California contractors and small businesses: pickup trucks, work vans, service vehicles and trailers. Liability, physical damage, uninsured motorist and hired and non-owned auto (HNOA) coverage, with multiple carriers compared for the best rate. 
Fleet and trucking insurance for California contractors and haulers: dump trucks, box trucks, multi-vehicle fleets and DOT-regulated operations, plus hired and non-owned auto (HNOA) for employees driving their own vehicles on the job. Auto liability, physical damage and cargo options. 
Box truck insurance for California owner-operators and small fleets: auto liability, physical damage, motor truck cargo and general liability for delivery, moving and local hauling businesses. 
Cargo van insurance for California contractors, couriers and delivery businesses. Commercial auto liability, physical damage and cargo coverage for Sprinter, Transit, ProMaster and other work vans. 
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. 
Limousine insurance for California TCP Class A and Class C carriers: stretch limos, sedans and SUVs. Auto liability limits that meet CPUC permit requirements, physical damage and fast filings so you can stay on the road. 
Commercial insurance for Uber Black and premium rideshare drivers in California. Uber Black requires a CPUC TCP permit and commercial auto liability that meets CPUC limits; we help you get the policy and filings you need to activate. 
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. 
Party bus and charter bus insurance for California operators, including auto liability at CPUC-required limits, physical damage and passenger coverage for TCP permit holders. 
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. 
A complete insurance package for California artisan and specialty trade contractors: general liability, tools and equipment, commercial auto and workers' comp options designed around electricians, plumbers, HVAC techs, painters, carpenters and other trades. 
Builder's risk insurance covers buildings under construction or major renovation against fire, theft, vandalism, wind and other perils. Coverage for California contractors, developers and property owners on new construction and remodel projects. 
Contractors professional liability (errors and omissions) insurance for design-build firms, consultants and contractors who provide design, engineering or project management services. Covers claims that your professional advice or design caused a financial loss. 
Contractors pollution liability insurance covers pollution and environmental cleanup claims that general liability excludes, including mold, lead, asbestos disturbance, fuel and chemical spills. Important for HVAC, plumbing, roofing, excavation, painting and remediation contractors. 
Excess liability and umbrella insurance add $1M to $5M or more in limits above your general liability, commercial auto and employer's liability. Many general contractors and commercial jobs require higher limits; we help California contractors meet contract requirements affordably. 
Inland marine (contractor's equipment) insurance protects tools, equipment and materials on job sites, in transit and in storage against theft and damage. Coverage for hand tools, power tools, scheduled equipment and rented equipment. 
Commercial property insurance for California businesses covers your building, shop, office contents, inventory and equipment against fire, theft and other covered losses, with business income options to keep you running after a claim. 
Cyber liability insurance for California small businesses and contractors covers data breaches, ransomware, funds-transfer fraud and customer notification costs. Affordable standalone and bundled options. 
Employment practices liability insurance (EPLI) protects California employers against claims of wrongful termination, discrimination, harassment and wage-related allegations from employees. Important for any business with staff. 
Restaurant insurance for California restaurants, cafes and food businesses: general liability, property, business income, liquor liability, workers' comp and commercial auto for delivery, compared across multiple carriers. Promotions
FREE No cost, no obligation
Paying too much for contractor insurance? Send us your current policy and we'll review it for free. We'll check your coverage for gaps and compare your General Liability, Workers' Comp, Commercial Auto and bond pricing across multiple carriers.
What you get:
A side-by-side comparison from multiple insurance carriers
A coverage gap check: additional insured, waiver of subrogation, completed operations, class codes
Workers' comp class code and audit review to help avoid surprise bills
Same-day certificates of insurance once you're covered
For every CSLB trade, plus limo, livery and transportation operators, anywhere in California. Call (858) 925-9555 or request your free review at asenainsurance.com. Asena Capital Insurance Services, CA Lic. #6008596.
What you get:
A side-by-side comparison from multiple insurance carriers
A coverage gap check: additional insured, waiver of subrogation, completed operations, class codes
Workers' comp class code and audit review to help avoid surprise bills
Same-day certificates of insurance once you're covered
For every CSLB trade, plus limo, livery and transportation operators, anywhere in California. Call (858) 925-9555 or request your free review at asenainsurance.com. Asena Capital Insurance Services, CA Lic. #6008596.
Expires on Dec 31, 2026
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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
Brusk K.
Sep 26, 2026
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Coastline Home Services
Sep 09, 2026
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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!