Asena Capital Insurance Services is a California-licensed commercial insurance brokerage dedicated to contractors and transportation businesses. We use our independent brokerage approach to compare offerings from multiple insurance carriers, helping our clients identify appropriate coverage and pricing. Our contractor services extend across all CSLB trades, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contracting. We also insure limo, livery, and black car operators. Among our core coverage options are General Liability for third-party bodily injury and property damage, Workers' Compensation, including ghost policies for owner-only contractors, $25,000 CSLB contractor license bonds, LLC employee/worker bonds, additional surety bonds, and Commercial Auto for work trucks, vans, and business vehicles.
We support transportation operations with Contractor Fleet and Hired and Non-Owned Auto, fleet policies, dump truck coverage, and DOT operations coverage. Livery and passenger transportation insurance is available for limo, Uber Black, NEMT, and black car operations, with additional solutions for California TCP Class A and C carriers, Uber Black TCP permit holders, and CPUC permit requirements. Our specialty services include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates of insurance, manage renewals, assist with claims, and answer the phone. Employers must maintain Workers' Compensation, and C-39 roofing contractors must carry it regardless of employees. Based in El Cajon, we serve every California city and offer free quotes at (858) 925-9555, info@asenainsurance.com, and asenainsurance.com.
We support transportation operations with Contractor Fleet and Hired and Non-Owned Auto, fleet policies, dump truck coverage, and DOT operations coverage. Livery and passenger transportation insurance is available for limo, Uber Black, NEMT, and black car operations, with additional solutions for California TCP Class A and C carriers, Uber Black TCP permit holders, and CPUC permit requirements. Our specialty services include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates of insurance, manage renewals, assist with claims, and answer the phone. Employers must maintain Workers' Compensation, and C-39 roofing contractors must carry it regardless of employees. Based in El Cajon, we serve every California city and offer free quotes at (858) 925-9555, info@asenainsurance.com, and 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 California contractor general liability insurance service responds to third-party bodily injury, property damage, and completed operations claims. We evaluate multiple carriers for every CSLB trade rather than limiting coverage options to one carrier. Additional insureds may be added for GCs and property owners, and certificates of insurance are issued quickly. 
Workers' Compensation reviews from our agency address the coverage and classification questions faced by California contractors. We examine employee status, payroll, trade duties, ownership, claims, prior coverage, CSLB classification, and operational details. Based on the information provided, we review available markets and applicable coverage paths, including considerations for contractors with no employees. 
Our ghost policy offering focuses on eligible California contractors who operate without employees. The coverage is generally structured as a zero-payroll workers compensation arrangement for qualifying sole proprietors. Eligibility is determined through review of the contractors trade, license classification, ownership, and subcontractor relationships. Carrier rules, current law, and certificate holder requirements remain applicable. 
Contractor license bonds for CSLB licensees are among the services we provide for both new and renewing licenses, including the required $25,000 bond. Our offerings also include LLC employee and worker bonds and bonds for qualifying individuals. Fast approvals and filing support are available, as are bid, performance, and payment bonds for contract work. 
We help California contractors evaluate Commercial Auto coverage for eligible business-use vehicles, including pickups, vans, dump trucks, box trucks, flatbeds, and fleets. Because personal auto policies may restrict or exclude certain commercial activity, we examine the actual vehicle use and related details. Driver records, operating radius, garaging, loss history, and contracts are also reviewed. 
California contractors and haulers can obtain fleet and trucking insurance through our service for dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations. We additionally provide hired and non-owned auto insurance for employees who drive their own vehicles while working. Coverage choices include auto liability, physical damage, and cargo protection. 
Our business provides box truck insurance tailored to California owner-operators and small fleets. Coverage includes auto liability alongside physical damage, motor truck cargo, and general liability. We serve businesses involved in delivery, moving, and local hauling. These insurance options provide coverage for the primary areas identified for box truck business operations. 
We provide commercial insurance for cargo vans used by contractors, tradespeople, and delivery businesses. Our coverage can protect your van, tools, and liability needs. Options include bodily injury and property damage liability, along with comprehensive and collision protection. Inland marine coverage is available for tools and equipment stored in or transported by your 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 service supports California TCP Class A and Class C carriers operating stretch limousines, sedans, and SUVs. We provide the auto liability limits needed to meet CPUC permit requirements, along with physical damage protection. Fast filings help move required insurance documentation forward efficiently, supporting carriers in staying on the road and maintaining their operations. 
Our commercial insurance service is available to California drivers operating Uber Black and premium rideshare services. For Uber Black, a CPUC TCP permit and commercial auto liability coverage meeting CPUC limits are required. We assist drivers in obtaining the necessary policy and completing the filings associated with these requirements so the service can be activated. 
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. 
We serve California party bus and charter bus operators with insurance coverage tailored to their stated requirements. Our offerings include CPUC-required auto liability limits, plus coverage for physical damage and passengers. Operators with TCP permits can use this service to obtain the specified insurance protections for their commercial 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. 
Our service delivers a complete insurance package for artisan and specialty trade contractors operating in California. Coverage options include general liability, tools and equipment, commercial auto, and workers' compensation. We structure these options around the work of electricians, plumbers, HVAC technicians, painters, carpenters, and professionals in other trades. 
Our Builder's Risk Insurance review is tailored to the information provided for each construction project. We examine eligible structures and materials along with the responsible party, policy period, lender requirements, and exclusions. Fire, smoke, weather, theft, vandalism, water damage, on-site materials, and transit exposures are reviewed where applicable. Final coverage and pricing depend on underwriting. 
For businesses providing design, engineering, or project management services, we offer contractors professional liability insurance covering design-build firms, consultants, and contractors. The coverage responds to claims asserting that professional advice or design led to financial loss. It is intended to address financial claims arising from the professional services our insured businesses provide. 
Our Contractors Pollution Liability service is intended for California trades with exposures that standard General Liability policies exclude. Eligible risks include fuel and chemical spills, asbestos and lead paint disturbance, refrigerant releases, and mold from construction or remediation work. The coverage also addresses qualifying third-party cleanup expenses, regulatory compliance costs, and defense-related legal expenses. 
Excess liability and umbrella insurance from us can add $1 million to $5 million or more in limits over general liability, commercial auto, and employers liability coverage. Many commercial jobs require contractors to carry higher limits. General contractors may also establish these requirements. We help California contractors meet those contractual needs with affordable coverage. 
We offer commercial property insurance to help protect California business property from covered losses. Protection extends to buildings, shops, office contents, inventory, and equipment in the event of fire, theft, and other covered causes. Business income options are available as well. They can help maintain operations after a claim occurs.
Reviews (3)
Brusk K.
Sep 26, 2026
Report
Altay Tc
Sep 02, 2026
Report
**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!
M. Jaber
Mar 30, 2021
Report