Through Asena Capital Insurance Services, we provide commercial insurance brokerage services to contractors and transportation businesses across California. As a California-licensed brokerage, we have insurance agents compare multiple carriers rather than limiting businesses to a single company's policy. Our coverage solutions are available for every CSLB trade, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors. We also serve limo, livery, and black car operators. Our primary 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 and other surety bonds, and Commercial Auto for work trucks, vans, and business vehicles.
For fleet and transportation needs, we provide Contractor Fleet and Hired and Non-Owned Auto coverage, fleet policies, dump truck insurance, and DOT operations coverage. Our livery and passenger transportation services include limo, Uber Black, NEMT, and black car insurance, plus coverage for California TCP Class A and C carriers and TCP permit holders. TCP insurance is also available to satisfy CPUC permit requirements. Specialty coverage includes BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue job certificates, handle renewals, assist with claims, and answer the phone. Contractors with employees need Workers' Compensation, while C-39 roofing contractors must carry it even when they have no employees. Our office is based in El Cajon, and we serve businesses in Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, the Inland Empire, and statewide. Call (858) 925-9555, email info@asenainsurance.com, or visit asenainsurance.com for a free quote.
For fleet and transportation needs, we provide Contractor Fleet and Hired and Non-Owned Auto coverage, fleet policies, dump truck insurance, and DOT operations coverage. Our livery and passenger transportation services include limo, Uber Black, NEMT, and black car insurance, plus coverage for California TCP Class A and C carriers and TCP permit holders. TCP insurance is also available to satisfy CPUC permit requirements. Specialty coverage includes BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue job certificates, handle renewals, assist with claims, and answer the phone. Contractors with employees need Workers' Compensation, while C-39 roofing contractors must carry it even when they have no employees. Our office is based in El Cajon, and we serve businesses in Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, the Inland Empire, and statewide. 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
We provide general liability insurance for California contractors, covering third-party bodily injury, property damage, and completed operations claims. Our team compares multiple carriers for every CSLB trade to help secure appropriate coverage. We also add additional insureds for GCs and property owners and issue certificates of insurance quickly. 
We specialize in Workers' Compensation reviews for California contractors and examine the business details that can affect coverage and underwriting. These include payroll, employee duties, trade classification, ownership, prior losses, subcontractor practices, and license requirements. We compare eligible market options and help contractors distinguish employee coverage, affected no-employee classifications, and other available review paths. 
Our service provides ghost policy workers compensation options for qualifying California contractors. Sole proprietors without W-2 employees may be eligible, although subcontractor relationships and licensing details must be considered. Current California requirements and carrier underwriting determine availability. We also review whether the policy can satisfy the applicable CSLB, client, or certificate holder requirements. 
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. 
Commercial Auto review begins with understanding how a contractor's vehicles are owned, stored, driven, and used for business. We evaluate work trucks, vans, trailers, dump trucks, box trucks, flatbeds, and fleet vehicles according to the information provided. Driver history, vehicle use, operating radius, loss history, and hired or non-owned exposures are also considered. 
Fleet and trucking insurance is available from us for California contractors and haulers operating dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations. Our offerings also address hired and non-owned auto exposure when employees use their personal vehicles on the job. Coverage can include auto liability, physical damage, and cargo protection. 
For businesses operating box trucks in California, we provide insurance for owner-operators and small fleets. Our coverage includes auto liability, physical damage, motor truck cargo, and general liability. Delivery, moving, and local hauling businesses can benefit from these available coverage options. We focus specifically on the insurance categories relevant to these commercial activities. 
We provide coverage for commercial cargo vans operated by contractors, tradespeople, and delivery businesses. Liability insurance addresses bodily injury and property damage and satisfies California minimum requirements for commercial vans. Our physical damage options include comprehensive and collision coverage with replacement cost or ACV alternatives. Inland marine coverage is available when tools and equipment are stored in or transported by the cargo 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. 
We provide insurance solutions for California TCP Class A and Class C limousine carriers, including businesses operating stretch limos, sedans, and SUVs. Coverage features auto liability limits that meet CPUC permit requirements and protection for physical damage. Fast filings are part of the service, helping carriers complete necessary requirements efficiently and keep their vehicles on the road. 
California drivers offering Uber Black and premium rideshare services can obtain commercial insurance through our service. The Uber Black requirements include a CPUC TCP permit and commercial auto liability coverage meeting CPUC limits. We assist throughout the process by helping secure the required policy and completing the filings needed to activate the service. 
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. 
California operators of party buses and charter buses can secure insurance through our service. We provide auto liability at the limits established by the CPUC, together with physical damage and passenger coverage. The service applies to TCP permit holders and brings these requested coverage areas together for 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. 
California artisan and specialty trade contractors can choose from a complete package of insurance coverage through our service. General liability, tools and equipment, commercial auto, and workers' compensation options are included. We design these offerings around the needs of electricians, plumbers, HVAC technicians, painters, carpenters, and other contractors. 
We assess Builder's Risk Insurance for eligible construction property and specified materials during the project period. The review considers ownership, value, site security, construction type, project schedule, lender requirements, and policy exclusions. Available terms may address fire, smoke, wind, hail, lightning, storms, theft, vandalism, water damage, and materials in transit, subject to underwriting. 
Professional liability insurance is available through our service for design-build firms, consultants, and contractors involved in design, engineering, or project management. Coverage applies to claims alleging financial loss caused by professional advice or design. We provide a dedicated insurance solution for the professional liability risks connected with these types of services. 
We offer Pollution Liability coverage designed for contractors facing environmental risks during construction and related operations. Covered exposures may include fuel and chemical spills, asbestos or lead paint disturbance, HVAC refrigerant releases, and mold caused by water intrusion. The coverage also addresses eligible environmental cleanup expenses, regulatory compliance costs, and legal expenses associated with pollution-related lawsuits. 
We provide excess liability and umbrella insurance with $1 million to $5 million or more in additional limits. This coverage extends beyond general liability, commercial auto, and employers liability policies. Many general contractors and commercial projects require higher insurance limits. We help California contractors satisfy these contract requirements while keeping coverage affordable. 
California businesses can rely on our commercial property insurance for coverage of their buildings, shops, contents, inventory, and equipment. Protection applies to fire, theft, and other covered losses. We also offer business income options for situations following a claim. These options can help businesses maintain their operations while recovering from a covered loss.
Reviews (3)
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!
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!