Workers' Compensation Insurance
Required by California law for every employer
Workers' Compensation provides medical benefits and wage replacement to employees injured on the job. In California, it's mandatory for any business with even one part-time employee. Without it, you face personal liability for employee injuries, state fines up to $10,000, and an immediate stop-work order.
What's Covered
What this policy covers
- Medical treatment for work-related injuries and illnesses
- Temporary and permanent disability income benefits
- Lost wage replacement (typically 2/3 of average weekly wage)
- Death benefits for dependents of fatally injured workers
- Employer's Liability — legal costs if an employee sues beyond the WC system
Who Needs It
Is this coverage right for you?
- Every California employer — one part-time employee is enough to trigger the requirement
- Contractors who hire subcontractors (you may be liable for uninsured subs)
- Businesses with high-injury-risk operations (construction, restaurants, logistics)
- Staffing agencies and businesses using temp workers
- Note: Sole proprietors with no employees are exempt but can opt in voluntarily
FAQ
Common questions about Workers' Comp
What happens if I get caught without Workers' Comp?
The CA Labor Commissioner can issue a stop-work order immediately, plus fines up to $10,000. You're also personally liable for the injured employee's full medical costs and lost wages.
How are Workers' Comp rates calculated?
Rates are based on your industry class code, total payroll, and experience modifier (claims history). Higher-risk jobs like roofing carry much higher rates than office work.
Do 1099 contractors count as employees under California law?
Under California AB 5, many workers previously classified as independent contractors may legally be employees. Misclassification won't protect you from liability — we can help you assess your exposure.
Can sole proprietors voluntarily get Workers' Comp?
Yes, and it's often worth it. Many GCs require proof of Workers' Comp before allowing you on their job site, even if you're a sole proprietor. We can write coverage for sole proprietors.
Ready to get Workers' Comp coverage?
We'll find the right carrier and limits for your specific situation — same-day quotes for most accounts.