California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
California employers generally must carry workers' compensation insurance when they have employees. The review should include payroll, employee duties, ownership, classification codes, claims history, certificates, and current carrier underwriting requirements. Contractors with employees can use the dedicated Workers Compensation quote form.
The Workers' Compensation Insurance Rating Bureau of California publishes advisory pure premium rates, classification information, experience-rating resources, and research. Final carrier pricing depends on the insurer's filed rates and the applicant's actual exposures.
CSLB currently identifies C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service licensees as classifications that must maintain coverage or valid self-insurance regardless of employee status. Other no-employee contractors may be eligible to file an exemption, subject to current law and CSLB acceptance. Review the existing roofing Workers' Compensation, electrical Workers' Compensation, plumbing Workers' Compensation, HVAC Workers' Compensation, and the no-employee contractor guide. Also review CSLB Workers' Compensation requirements, Los Angeles Workers' Compensation, and Workers' Compensation cost factors.