Insurance built for California contractors.
Asena Capital Insurance Services delivers commercial insurance services to California contractors and transportation businesses as a licensed brokerage. Our insurance agents compare policies offered by multiple carriers to locate coverage and pricing that fit the needs of the businesses we serve. Our contractor services encompass every CSLB trade, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors. We additionally work with limo, livery, and black car operators. Core coverage includes General Liability for third-party bodily injury and property damage, Workers' Compensation and 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.
We also arrange Contractor Fleet and Hired and Non-Owned Auto coverage for fleet policies, dump trucks, and DOT operations. For livery and passenger transportation, our services address limo, Uber Black, NEMT, and black car operations, along with California TCP Class A and C carriers, Uber Black TCP permit holders, and TCP insurance needed for CPUC permit requirements. Additional offerings include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. Our independent status means we shop multiple carriers rather than promoting one company's policy. We issue certificates of insurance, take care of renewals, help with claims, and answer the phone. Workers' Compensation is required for businesses with employees, and C-39 roofing contractors must carry it even without employees. Located in El Cajon, we serve businesses statewide. Request a free quote 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
Business 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 supports California contractors with coverage for third-party bodily injury, property damage, and completed operations claims. We compare multiple carriers across all CSLB trades to present available options. For GCs and property owners, we can add additional insureds and provide certificates of insurance with fast issuance. 
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 work with eligible California contractors to review potential zero-payroll workers compensation arrangements known as ghost policies. This option is generally associated with sole proprietors who have no direct employees. Before determining eligibility, we consider trade classification, contractor licensing, ownership, and subcontractor relationships. The carrier, current law, and certificate requirements ultimately affect availability and acceptance. 
Our contractor license bond services are designed for new and renewing CSLB licensees and include the required $25,000 contractor license bond. We additionally provide LLC employee and worker bonds, plus bonds for qualifying individuals. Fast approvals and filing support are offered with these services, as well as bid, performance, and payment bonds 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. 
We specialize in fleet and trucking insurance for California contractors and haulers, with coverage applicable to dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations. Hired and non-owned auto coverage is also available for employees using their own vehicles on the job. We offer auto liability, physical damage, and cargo options. 
Box truck insurance is available from us for California owner-operators and small fleets. We offer several forms of coverage, including auto liability, physical damage, motor truck cargo, and general liability. The service is designed for delivery, moving, and local hauling businesses. Each option addresses a different aspect of insurance coverage for these operations. 
Our cargo van insurance is designed for commercial operations involving contractors, tradespeople, and delivery businesses. We offer liability coverage for bodily injury and property damage that meets California minimum requirements. Physical damage protection includes comprehensive and collision, with replacement cost or ACV options. Inland marine coverage can also protect tools and equipment kept in 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. 
We provide limousine insurance for California TCP Class A and Class C carriers operating stretch limousines, sedans, and SUVs. Our coverage includes auto liability limits that satisfy CPUC permit requirements, along with physical damage protection. We also provide fast filings, helping your business complete required insurance processes efficiently and remain on the road. 
California premium rideshare drivers and Uber Black operators can receive assistance with commercial insurance through our service. Operating Uber Black requires a CPUC TCP permit and commercial auto liability coverage that complies with CPUC limits. We help drivers obtain the policy they need and complete the required filings as part of the activation process. 
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. 
For California party bus and charter bus operators, we provide coverage that includes several essential insurance components. Auto liability is offered at CPUC-required limits, with physical damage and passenger coverage also available. Our service is designed for TCP permit holders seeking the specified protections for their party bus and charter bus activities. 
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 artisan and specialty trade contractors in California, our complete insurance package combines several essential coverage options. General liability, tools and equipment, commercial auto, and workers' compensation are available as part of the package. We design these options for contractors across trades such as electrical, plumbing, HVAC, painting, carpentry, and other specialties. 
We provide a structured Builder's Risk Insurance review for construction projects using the project's value, construction type, site conditions, and schedule. Eligible structures and specified materials are considered alongside ownership, lender requirements, security, and policy exclusions. We review applicable fire, weather, theft, vandalism, water, and transit exposures. Final eligibility and coverage depend on underwriting. 
Our contractors professional liability insurance is available to design-build firms, consultants, and contractors who perform design, engineering, or project management work. Coverage applies when a claim alleges that professional advice or design caused financial loss. We provide protection for businesses whose professional services become the subject of such financial claims. 
We provide Contractors Pollution Liability coverage for California contractors whose standard General Liability policies exclude pollution claims. Our coverage addresses incidents involving fuel, chemicals, asbestos, lead paint, refrigerants, mold, and biological agents. It can also cover third-party environmental cleanup expenses, regulatory compliance costs, attorney fees, court costs, and settlements arising from pollution-related lawsuits. 
We provide additional liability protection through excess liability and umbrella insurance, offering $1 million to $5 million or more above existing limits. Coverage is placed over general liability, commercial auto, and employers liability insurance. Because commercial projects and general contractors often require increased limits, we assist California contractors with meeting those requirements affordably. 
Commercial property insurance from our business provides coverage for California businesses and their essential property. Buildings, shops, office contents, inventory, and equipment may be protected against fire, theft, and other covered losses. We also provide business income options. These options are designed to help businesses continue operating following a claim.
Reviews (3)
Klisia Outdoor
Sep 26, 2026
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
Coastline Home Services
Sep 09, 2026
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!
M. Jaber
Mar 30, 2021