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California-Only Broker: Asena Capital is licensed in California only (CA DOI Lic. #6008596). All price indications use CA DOI-filed rating plans, WCIRB schedules, and NCCI CA classification codes.
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Search by trade, keyword, or NAICS code — e.g. "handyman" , "238220" , "roofing contractor" , "appliance repair" , or "I need homeowners insurance in a fire zone."
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General Liability
Bodily injury & property damage to 3rd parties
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Workers' Comp
CA-required for all employees (Labor Code §3700)
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Commercial Truck
Liability, physical damage & cargo
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Commercial Auto
Business-owned vehicles — liability, collision & comp
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Business Owner's Policy — BOP
GL + commercial property bundled
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Personal Lines
None selected — click to expand
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🏠 Homeowners 🚗 Auto (Personal) 🔑 Renters 🏢 Condo 🏘️ Landlord / Rental 🏡 Mobile / Mfg Home 🏍️ Motorcycle / RV / Boat ☂️ Personal Umbrella
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✅ Auto-detected from your search — confirm or change below if needed
Primary Trade / Business Activity (used for GL & WC rating)
— Select your trade —
5102 – General Building Contractor (B-License)
5606 – Superintendent / Supervisor (construction)
5610 – Handyman / General Maintenance
9519 – Appliance / Equipment Repair
8380 – Auto Repair / Body Shop / Mechanic
5645g – Garage Door Installation / Repair
5645w – Window / Door Installation & Repair
9015c – Car Wash / Auto Detailing
5645 – Carpentry — Residential (new construction)
5651 – Carpentry — Commercial / Industrial
5403 – Carpentry — NEC
5436 – Millwork / Finish Carpentry (interior)
5701 – Cabinet / Millwork Installation
5190 – Electrical Contractor
5190s – Low Voltage / Data / Telecom Wiring
5183 – Plumbing (incl. gas piping)
5547 – Plumbing — Service / Repair (no new const.)
5537 – HVAC / Sheet Metal Work
5538 – Refrigeration / A/C Equipment
5160 – Elevator Installation / Repair
6318 – Irrigation / Sprinkler Installation
5388 – Fire Sprinkler / Suppression System
7605 – Alarm / Security System Installation
5552 – Roofing — all types (hot tar / tile / shingle)
5551 – Roofing — no hot tar / asphalt
5491 – Concrete / Cement Work
5222 – Concrete — Flatwork / Foundations
5485 – Concrete Paving (driveways / walks)
5022 – Masonry
6204 – Masonry — NEC
5462 – Bricklaying / Tile Setting
5057 – Iron / Steel Erection (structural)
5040 – Iron / Steel — ornamental / architectural
6003 – Pile Driving / Foundation Work
5057f – Fencing Contractor
5432 – Drywall / Wallboard
5703 – Flooring / Tile / Hardwood
5474 – Painting — interior / exterior
5480 – Painting — spray / auto body
5484 – Plastering / Stucco
6216 – Waterproofing / Caulking
6400 – Landscaping / Gardening
0106 – Tree Trimming / Arborist
6005 – Excavation / Grading
5506 – Street / Road Construction
5348 – Swimming Pool Construction / Plastering
5474d – Deck / Patio / Pergola Contractor
5183s – Solar Panel Installation
5474r – Restoration / Remediation (water/fire/mold)
5474w – Pressure Washing / Power Washing
5474g – Graffiti Removal / Surface Cleaning
9014 – Janitorial / Cleaning Service
9015 – Janitorial — Industrial
9014g – Gutter Cleaning / Window Washing
9521 – Window / Glass Cleaning
0917 – Pest Control / Exterminating
9586 – Home Health Aide / Caregiver
7720 – Security Guard (unarmed)
8292 – Moving Company / Storage
7380 – Trucking / Hauling (dump trucks)
7219 – Towing / Roadside Assistance
9082 – Catering / Food Service / Restaurant
9079 – Restaurant / Bar / Nightclub
8017 – Retail Store / Shop
8006 – Manufacturing — General
8033 – Grocery / Food Store
8001 – Automobile Dealer / Lot
8742a – Real Estate / Property Management
8742 – Salesperson / Outside Clerical
8810 – Clerical / Office Employees
8720 – Surveying / Mapping / Engineering
Other Specialty Trade (not listed)
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WC is rated per WCIRB class code × payroll. Add each class code your employees work under. The primary trade above pre-fills your first row.
WCIRB Class Code
Description
CA Rate / $100 payroll
Annual Payroll ($)
+ Add Another Class Code
Total Number of Employees
1 2 3 4 5
6–10 11–20 21–50 51+
Experience Modifier (WCIRB CA)
No prior WC coverage — new business
0.75–0.84 — below average claims
0.85–0.99 — good loss history
1.00 — average
1.01–1.25 — some claims
1.26–1.50 — elevated claims
Over 1.50 — high claims
Officers / Owners included in coverage? (CA allows exclusion for sole owners)
Yes — included (typical for LLC/Corp)
No — officers excluded (sole proprietor/partner)
Fleet Size
1 Truck 2–3 Trucks 4–6 Trucks
7–10 Trucks 11+ Trucks
Primary Cargo Type
General Freight Building Materials
Refrigerated/Perishable Hazardous Materials
Household Goods Auto Transport
Livestock Dump Truck (sand/gravel/debris) Other
Operating Radius
Local (under 100 mi) Intermediate (100–300 mi)
Long-haul (300+ mi) Mixed
Driver MVR History
Clean (no violations) 1 Minor violation
1 At-fault accident Multiple violations/accidents
Liability Limit
$750K CSL (CA private carrier min)
$1M CSL (for-hire carrier — federal min)
$2M CSL
🚙 Commercial Auto Insurance
Number of Business Vehicles
1 2 3 4
5 6–10 11+
Primary Vehicle Type
Pickup / Light Truck (under 10,000 lbs)
Van / Cargo Van
Box Truck / Straight Truck
Flatbed / Utility Truck
SUV / Passenger Vehicle
Service / Work Truck
Primary Use
Transport workers & tools to job sites
Hauling materials / equipment
Client visits / sales calls
Mixed use (job site + hauling)
Liability Limit
$300K CSL
$500K CSL
$1M CSL
Physical Damage (collision/comp)?
No — liability only
Yes — $2,500 deductible
Yes — $1,000 deductible
Yes — $500 deductible
Driver MVR History
Clean (no violations)
1 Minor violation
1 At-fault accident
Multiple violations/accidents
Youngest Driver Age
Under 25
25–64
65+
Radius of Operations
Local (under 50 mi)
Regional (50–200 mi)
Statewide (200+ mi)
🏗️ Business Owner's Policy — BOP
Business Location Type
Office / Professional
Retail storefront
Warehouse / industrial
Home-based
Mobile / no fixed location
Industry
Contractor / Construction
Retail Restaurant / Food Service
Professional Services Healthcare / Medical
Technology Other
Roof Type
Composition Shingle Tile
Metal Flat/Tar Unknown
Home Age
New (0–10 yrs) 11–25 yrs
26–40 yrs Over 40 yrs
CA Wildfire Zone (CAL FIRE / OSFM)
Low (urban/suburban) Moderate
High Very High (SRA/LRA)
Claims History (past 5 yrs)
None in 5 yrs 1 claim 2+ claims
Home Type
Single family residence
Multi-unit (owner occupied)
Vacation / secondary home
🚗 Personal Auto Insurance
Number of Vehicles
1 2 3 4+
Primary Driver Age
Under 25 25–64 65+
Vehicle Usage
Pleasure / commute under 10 mi
Commute 10–25 mi
Commute over 25 mi
Business use
MVR / Driving History
Clean record 1 minor violation
1 at-fault accident DUI (past 5 yrs)
Multiple violations
Coverage Level
Liability only (CA min 15/30/5)
Liability + Uninsured Motorist
Full coverage ($500 deductible)
Full coverage ($250 deductible)
🏘️ Landlord / Rental Property (DP-3)
Dwelling replacement cost
⚠ Required
Number of rental units
1 2 3
4 5–8 9+
CA Wildfire Zone
Low (urban/suburban) Moderate
High Very High (SRA/LRA)
🏡 Mobile / Manufactured Home
Located in a mobile home park?
Yes No
CA Wildfire Zone
Low (urban/suburban) Moderate
High Very High (SRA/LRA)
🏍️ Motorcycle / RV / Boat
Umbrella limit desired
$1M $2M $3M $5M
Underlying policies (auto, home, boat, etc.)
1 2 3 4+
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