Asena Capital Insurance Services
Insurance Company in El Cajon, CA
We are Asena Capital Insurance Services, a California-licensed commercial insurance brokerage specializing in coverage for contractors and transportation businesses. Our insurance agents work with multiple carriers, comparing their coverage and pricing to help businesses select appropriate insurance for their operations. We serve every CSLB trade, from HVAC, plumbing, electrical, and roofing to concrete, painting, landscaping, and general contracting, along with limo, livery, and black car operators. Our core insurance services include 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.Our transportation-related offerings include Contractor Fleet and Hired and Non-Owned Auto, fleet policies, dump trucks, and DOT operations. Limo, livery, and passenger transportation coverage is available for limo, Uber Black, NEMT, and black car operations, including California TCP Class A and C carriers, Uber Black TCP permit holders, and TCP insurance for CPUC permit requirements. We also provide BOP, Artisan Contractor Package, Builder's Risk, Professional Liability, Pollution Liability, Excess Liability/Umbrella, and Inland Marine. We issue certificates for jobs, handle renewals, help with claims, and answer the phone. Workers' Compensation is required when employees are present, while C-39 roofing contractors must maintain it even without employees. Our brokerage is based in El Cajon and serves businesses in Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Orange County, the Inland Empire, and throughout California. Free quotes are available at (858) 925-9555, info@asenainsurance.com, or asenainsurance.com.
Areas Served
- 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 and insured
Highlights & Specialties
- 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
Professional Associations & Certifications
- California Department of Insurance License #6008596
- Licensed California insurance broker
Social Profiles
Contact Details
Products & Services
General Liability Insurance for Contractors
read moreGeneral liability insurance from our service covers California contractors against third-party bodily injury, property damage, and completed operations claims. We compare multiple carriers for every CSLB trade, including HVAC, plumbing, electrical, roofing, concrete, painting, landscaping, and general contractors. Additional insureds for GCs and property owners are supported, with certificates issued fast.Workers' Compensation Insurance
read moreOur California Workers' Compensation review is designed around the contractor's actual operations rather than a generic coverage assumption. We examine employee status, payroll, license classification, ownership, duties, prior coverage, losses, and certificate requirements. Available insurance markets are reviewed according to current information, while CSLB requirements and no-employee eligibility are considered where applicable.Ghost Policy Workers' Comp
read moreWe provide guidance and processing for ghost policy workers compensation arrangements available to eligible California sole proprietors. Contractors with no W-2 employees may qualify for a zero-payroll option, subject to applicable requirements. We examine licensing, trade classification, ownership, and subcontractor information. Carrier eligibility and certificate requests are evaluated alongside current California workers compensation rules.CSLB Contractor License Bonds
read moreContractor license bonding is available from us for both new and renewing CSLB licensees, with the required $25,000 contractor license bond included. We also arrange LLC employee and worker bonds and bonds for qualifying individuals. Fast approvals and filing support are provided alongside bid, performance, and payment bonds for contract work.Commercial Auto Insurance
read moreCalifornia contractors can use our Commercial Auto service to review coverage for business-use vehicles and fleets. We consider the specific vehicle types involved, how they are used, where they are garaged, and who drives them. The review may also address operating radius, driver history, loss history, hired or non-owned vehicles, and certificate or contract requirements.Contractor Fleet, Trucking & HNOA
read moreWe offer comprehensive insurance options for California contractors and haulers whose operations involve dump trucks, box trucks, multi-vehicle fleets, or DOT-regulated vehicles. Hired and non-owned auto coverage is provided for employees driving their own vehicles as part of their work. Our available coverage options include auto liability, physical damage, and cargo.Box Truck Insurance
read moreCalifornia businesses operating box trucks can rely on our insurance service for coverage designed for owner-operators and small fleets. We offer auto liability, physical damage, motor truck cargo, and general liability. The service applies to delivery, moving, and local hauling businesses. Our available coverage addresses the principal insurance areas associated with these operations.Cargo Van Insurance
read moreWe offer commercial insurance for cargo vans serving contractors, tradespeople, and delivery businesses. Coverage can protect against bodily injury and property damage liability while meeting California minimum requirements for commercial vans. Physical damage protection includes comprehensive and collision options with replacement cost or ACV choices. For business equipment, inland marine coverage is available for tools and equipment stored or transported by the van.Livery & Passenger Transportation Insurance
read moreLivery 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.Limo Insurance California
read moreFor operators of stretch limos, sedans, and SUVs, we provide limousine insurance for California TCP Class A and Class C carriers. The service offers auto liability limits that comply with CPUC permit requirements and includes physical damage coverage. We also handle fast filings, helping carriers complete the necessary insurance requirements efficiently and remain on the road.Uber Black Insurance California
read moreCalifornia Uber Black and premium rideshare drivers can rely on our commercial insurance service for the coverage required for activation. Uber Black operations require a CPUC TCP permit along with commercial auto liability that meets applicable CPUC limits. We help secure the needed insurance policy and handle the filings required to support the activation process.TCP Insurance California
read moreTCP (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.Party Bus Insurance
read moreOur party bus and charter bus insurance is available to operators throughout California. Coverage encompasses auto liability at CPUC-required limits, together with physical damage protection and passenger coverage. The service is intended for TCP permit holders and addresses the core insurance categories applicable to their party bus and charter bus operations.BOP / Business Owner's Policy
read moreA 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.Artisan Contractor Insurance Package
read moreFor artisan and specialty trade contractors in California, our complete insurance package combines several essential coverage options. General liability, tools and equipment, commercial auto, and workers' compensation are available as part of the package. We design these options for contractors across trades such as electrical, plumbing, HVAC, painting, carpentry, and other specialties.Builder's Risk Insurance
read moreWe provide project-specific Builder's Risk Insurance reviews for eligible structures and specified materials during construction. Coverage considerations include the responsible party, covered property, policy period, lender requirements, and exclusions. We review fire, smoke, wind, weather, vandalism, theft, water damage, materials on-site, and materials in transit. Eligibility and terms remain subject to underwriting.Professional Liability (E&O) for Contractors
read moreWe offer contractors professional liability insurance for businesses that deliver design, engineering, or project management services, including design-build firms and consultants. The coverage addresses claims asserting that professional advice or design resulted in financial loss. This service provides insurance protection for professional liability claims associated with the services performed by the insured business.Contractors Pollution Liability
read moreWe provide specialized Pollution Liability insurance for contractors whose work can create environmental exposures. Our Contractors Pollution Liability coverage applies to listed incidents such as fuel or chemical releases, asbestos and lead paint disturbance, refrigerant leaks, and mold resulting from water intrusion. It may also cover third-party cleanup, regulatory compliance, attorney fees, court costs, and settlements.Excess Liability / Umbrella Insurance
read moreOur excess liability and umbrella insurance adds $1 million to $5 million or more above existing liability limits. Protection can extend over general liability, commercial auto, and employers liability coverage. Because many commercial jobs and general contractors require increased limits, we help California contractors meet those contractual obligations affordably and appropriately.Commercial Property Insurance
read moreCommercial property insurance from our business provides coverage for California businesses and their essential property. Buildings, shops, office contents, inventory, and equipment may be protected against fire, theft, and other covered losses. We also provide business income options. These options are designed to help businesses continue operating following a claim.Reviews Write a Review
Brusk K.
Sep 26, 2026
I worked with 5 different brokers at the same time this guys gave me the best quotes. They are the best!
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!
M. Jaber
Mar 30, 2021
Really professional and friendly people, they got me great deals.
Looking forwards to do business with them again.
Looking forwards to do business with them again.