- Request a quoteA licensed agent follows up with you
- California employersRequired, even with one employee
- Licensed in CaliforniaInsurance license 6019379
- Talk to a licensed agent(619) 382-3810
What it covers
What applies, and how much, depends on how your business actually runs.
- Workers’ comp benefitsBenefits owed to an employee for a work-related injury or illness, under the state’s workers’ compensation law.
- Employer’s liabilityProtection when an employee can sue over an injury that workers’ compensation law doesn’t cover.
FAQ
Workers’ comp, explained plainly
Do I need workers’ comp in California?
California law requires employers to have workers’ compensation insurance, even if they have only one employee. Under Labor Code section 3700 it can come from a licensed insurance company or the State Compensation Insurance Fund, or an employer may be able to self-insure.
What does it pay for?
Medical care and part of lost wages for an employee injured on the job, regardless of who was at fault. If a worker dies from a work injury, it provides compensation to the family.
What are the two parts of the policy?
Part one pays the benefits due to an injured worker under state law. Part two, employer’s liability, protects the employer when an employee can sue for an injury that workers’ compensation law doesn’t cover.
How is workers’ comp priced?
It is classified by the duties your employees perform, using codes from the Workers’ Compensation Insurance Rating Bureau. Each class has a rate, and an experience modification based on your loss history is applied.
Who handles questions about a claim?
Workers’ comp claims are not under the Department of Insurance. The Department of Industrial Relations, Division of Workers’ Compensation, can help with claim questions.
Sources: California Department of Industrial Relations, workers' compensation for employers · California Department of Insurance, Commercial Insurance Guide · Insurance Information Institute, small business insurance basics. Coverage, price and approval are decided by the insurance company.
What to have ready
- How many employees you have
- What work they do
- Your annual payroll, if you know it
What happens next
- Tell us what you need. A few quick questions. It takes about two minutes.
- We review it. Someone licensed reads every request.
- We reach out. We talk it through with you. There is no obligation.
Not sure which coverage you need?
Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.
Start the conversationImportant information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.