Insurance built for California contractors.
At Asena Capital Insurance Services, we help contractors and transportation businesses obtain commercial insurance through our California-licensed brokerage. Instead of representing only one carrier, our insurance agents compare multiple insurance companies to find appropriate coverage and pricing. We provide services for all CSLB trades, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors, as well as limo, livery, and black car operators. Our core coverage portfolio features 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 and other surety bonds; and Commercial Auto for work trucks, vans, and business vehicles.
Contractor Fleet and Hired and Non-Owned Auto services cover fleet policies, dump trucks, and DOT operations. We also offer livery and passenger transportation insurance for limo, Uber Black, NEMT, and black car operations, along with insurance for California TCP Class A and C carriers and Uber Black TCP permit holders. TCP insurance is available to meet CPUC permit requirements. Our specialty packages include BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates of insurance for jobs, take care of renewals, assist with claims, and answer the phone. Workers' Compensation is required for contractors with employees, while C-39 roofing contractors must maintain coverage even without employees. We are based in El Cajon and serve businesses throughout California, including Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, and the Inland Empire. Get a free quote 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
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
California contractors can obtain general liability insurance through our service, with protection addressing third-party bodily injury, property damage, and completed operations claims. We review multiple carriers for each CSLB trade and provide coverage options accordingly. We also accommodate additional insured requests for GCs and property owners and issue certificates quickly. 
Our Workers' Compensation service evaluates California contractor risks through a detailed review of payroll, employee duties, classification, ownership, claims history, and business operations. We also consider current CSLB requirements and documentation needs, including certificates and applicable no-employee paths. Market availability, coverage terms, pricing, effective dates, and binding remain dependent on complete information and carrier underwriting. 
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. 
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. 
For California contractors, we review Commercial Auto needs based on the vehicles and business activities involved. Pickup trucks, vans, dump trucks, box trucks, flatbeds, trailers, and multiple vehicles can require different considerations. Our review addresses ownership, business use, drivers, garaging, operating radius, cargo, loss history, and applicable contract requirements. 
We offer insurance solutions for California contractors and haulers requiring coverage for trucking and commercial fleets. Protection is available for dump trucks, box trucks, multi-vehicle fleets, and DOT-regulated operations, along with hired and non-owned auto coverage for employees using their own vehicles at work. Auto liability, physical damage, and cargo options are available. 
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. 
Cargo van insurance from our business is available for contractors, tradespeople, and delivery businesses using these vehicles commercially. We provide liability coverage for bodily injury and property damage, along with comprehensive and collision protection. Replacement cost and ACV options can be selected for physical damage coverage. Inland marine insurance is also available for tools and equipment 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. 
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. 
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. 
We provide a complete insurance package for California artisan and specialty trade contractors. Our coverage options include general liability, tools and equipment, commercial auto, and workers' compensation. The package is designed specifically around the needs of electricians, plumbers, HVAC technicians, painters, carpenters, and other specialty trades. 
Builder's Risk Insurance is reviewed on a project-specific basis to address eligible structures and specified materials during construction. We examine the responsible party, property interests, construction period, lender requirements, security measures, and exclusions. Our review includes potential fire, smoke, weather, theft, vandalism, water damage, on-site material, and transit coverage. Policy terms and underwriting determine final eligibility. 
We specialize in contractors professional liability insurance for firms and professionals providing design, engineering, or project management services. This includes design-build firms, consultants, and contractors. Our coverage addresses claims alleging financial loss resulting from professional advice or design, providing insurance protection for the professional services exposures identified in the claim. 
We provide Pollution Liability insurance for contractors needing protection against environmental claims that standard General Liability coverage does not address. Our coverage includes qualifying fuel and chemical spills, asbestos and lead paint disturbance, refrigerant releases, and construction-related mold. It may also cover third-party environmental cleanup, regulatory compliance expenses, attorney fees, court costs, and settlements resulting from pollution-related lawsuits. 
Our service provides $1 million to $5 million or more of excess liability and umbrella insurance above existing coverage. It extends the limits available through general liability, commercial auto, and employers liability policies. Since higher limits are commonly required for general contractors and commercial projects, we help California contractors satisfy those requirements affordably. 
We provide insurance coverage for commercial property owned or used by California businesses. Our coverage can protect buildings, shops, office contents, inventory, and equipment from fire, theft, and other covered losses. Business income options are available for added support. They can help businesses continue running after a covered claim.
Reviews (3)
Brusk K.
Sep 26, 2026
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!
Altay Tc
Sep 02, 2026
**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!