California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Asena Capital Insurance Services reviews insurance considerations for California Masonry contractors in California, including Workers Compensation, General Liability, Commercial Auto, contractor bonds, and project requirements.
Applicable coverage, limits, certificates, licensing obligations, pricing, and eligibility depend on employee status, operations, vehicles, contracts, current California requirements, policy terms, and underwriting. Use the coverage selector to choose the appropriate request path.
CSLB's definition: “A masonry contractor installs concrete units and baked clay products; concrete, glass and clay block; natural and manufactured stone; terra cotta; and fire brick or other material for refractory work. This classification includes the fabrication and installation of masonry component units for structural load bearing and non-load bearing walls for structures and fences installed with or without mortar; ceramic veneer (not tile) and thin brick that resembles full brick for facing; paving; and clear waterproofing, cleaning and caulking incidental to masonry construction.” (California Code of Regulations / Business and Professions Code, via cslb.ca.gov).
CSLB's public license file (September 2026) shows 1,992 current C-29 licenses statewide. 58% have a workers' comp policy on file and 37% are filed exempt. 49% are sole owners, 47% corporations and 2% LLCs; 63 were issued in the last 12 months.
Right now 33 C-29 licenses are suspended for workers' comp and 65 for bond problems — a suspended license cannot legally contract.
| Licenses | With WC policy | Exempt | New (12 mo) | |
|---|---|---|---|---|
| Fresno | 38 | 55% | 39% | 4 |
| Riverside | 34 | 56% | 38% | 0 |
| San Diego | 29 | 48% | 45% | 0 |
| Los Angeles | 29 | 66% | 28% | 3 |
| Bakersfield | 29 | 66% | 34% | 2 |
| Escondido | 28 | 61% | 36% | 3 |
| San Jose | 26 | 46% | 50% | 0 |
| Anaheim | 26 | 62% | 35% | 1 |
| Sylmar | 25 | 56% | 44% | 0 |
| Santa Barbara | 24 | 67% | 25% | 2 |
Any California contractor with employees must carry workers' comp (Labor Code 3700). A license with no employees can currently file an exemption with CSLB; beginning January 1, 2028 (SB 1455), CSLB will require workers' comp for all active licenses, with joint-venture licenses the only exception.
Masonry payroll is generally reported under WCIRB class 5027 or 5028, depending on hourly wage.
Every active California contractor license needs a $25,000 contractor license bond on file with CSLB (raised from $15,000 on January 1, 2023). For owners with good credit, the bond commonly costs about $140–$250 a year; price depends mainly on credit.
LLC licenses also need a $100,000 employee/worker bond and liability insurance of at least $1 million (plus $100,000 per member over five, up to $5 million).
undefined
undefined
undefined