Mandatory protection for California employers. Ensure compliance with state law while protecting your employees and business from workplace injury costs.
Workers' compensation insurance is mandatory for virtually all employers in California. It provides medical care and wage replacement benefits to employees who are injured or become ill due to their work, while protecting employers from costly lawsuits related to workplace injuries.
California has some of the most comprehensive workers' compensation laws in the nation, requiring coverage for almost all employees from the first day of employment. Failure to carry workers' compensation insurance can result in severe penalties, including criminal charges, substantial fines, and personal liability for all workplace injury costs.
Our workers' compensation insurance policies are designed to meet California's specific requirements while providing comprehensive protection for both employers and employees. We help businesses of all sizes navigate the complex workers' compensation system, ensure compliance with state regulations, and manage claims effectively to control costs.
California law requires workers' compensation insurance for any business with one or more employees, including part-time workers, temporary employees, and in many cases, independent contractors. The only exceptions are very limited circumstances involving certain family members and specific types of business ownership structures.
Comprehensive coverage for workplace injuries and illnesses
Covers all necessary medical treatment for work-related injuries or illnesses, including doctor visits, hospital stays, surgery, and rehabilitation.
Provides wage replacement (typically 2/3 of average weekly wages) for employees who cannot work due to a work-related injury or illness.
Compensation for employees who have permanent impairment or disability resulting from a work-related injury or illness.
Helps injured workers return to suitable employment through retraining, education, or job placement assistance when they cannot return to their previous job.
Provides financial support to dependents of workers who die from work-related injuries or illnesses, including burial expenses.
Protects employers from lawsuits by employees for work-related injuries, providing legal defense and coverage for settlements or judgments.
Understanding your obligations as a California employer
California has zero tolerance for uninsured employers. Even one day without coverage can result in significant penalties and legal consequences.
Understanding how your industry affects workers' compensation rates
Office work, professional services, accounting, consulting, and other desk-based occupations
Typical rates: $0.50-$2.00 per $100 of payrollRetail, restaurants, light manufacturing, healthcare, and service industries
Typical rates: $2.00-$8.00 per $100 of payrollConstruction, roofing, logging, heavy manufacturing, and other hazardous occupations
Typical rates: $8.00-$40.00+ per $100 of payrollStrategies to reduce premiums and manage claims effectively
Implement comprehensive safety training and workplace safety programs to prevent injuries and reduce claims
Develop programs to help injured employees return to work quickly, reducing claim costs and duration
Maintain a good claims history to earn favorable experience modification factors that reduce premiums
Report claims promptly and work closely with your insurer to manage claims effectively
Ensure employees are properly classified by job duties to avoid overpaying for coverage
Consider deductible programs to reduce premiums while maintaining full coverage
Don't risk penalties and legal issues. Get the workers' compensation coverage required by California law.