California Workers' Compensation Insurance
Protect your employees and your business with comprehensive workers' compensation coverage. Required by California law and essential for every employer.
Medical Coverage
Complete medical care for work-related injuries and illnesses
Wage Replacement
Partial wage replacement during recovery periods
Disability Benefits
Support for temporary or permanent disability claims
Legal Compliance
Meet California's mandatory workers' comp requirements
Why Workers' Compensation Insurance is Essential
More than just a legal requirement - it's protection for your employees and your business
Legal Requirement
California law mandates workers' comp for virtually all employers. Operating without coverage can result in fines up to $100,000 and criminal charges.
Employee Protection
Provides immediate medical care and wage replacement for injured workers, ensuring they receive proper treatment without financial hardship.
Business Protection
Protects your business from potentially devastating lawsuits by providing the exclusive remedy for workplace injuries.
Productivity & Morale
Demonstrates your commitment to employee safety and wellbeing, leading to better retention and workplace morale.
Comprehensive Workers' Compensation Coverage
Complete protection for workplace injuries and illnesses
Medical Benefits
Complete medical care for work-related injuries and illnesses with no deductibles or co-pays.
- Emergency room treatment
- Doctor visits and specialists
- Prescription medications
- Physical therapy and rehabilitation
Wage Replacement
Partial wage replacement while employees recover from work-related injuries.
- Temporary disability benefits
- Typically 2/3 of average weekly wage
- Permanent disability compensation
- Vocational rehabilitation support
Death Benefits
Financial support for families in the tragic event of a work-related fatality.
- Burial expenses up to $10,000
- Weekly payments to dependents
- Educational benefits for children
- Lump sum payments available
Legal Protection
Protection from lawsuits and compliance with California employment laws.
- Exclusive remedy protection
- Defense against third-party claims
- Compliance with state regulations
- Claims management support
Serving California Businesses Statewide
From Silicon Valley tech startups to Central Valley agriculture, we provide workers' compensation insurance across all of California's diverse industries and regions.
Los Angeles Area
Comprehensive coverage for LA's diverse business market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Protect Your California Business Today
Don't risk operating without required workers' compensation coverage. Get competitive quotes from California's top carriers.
Fast, free quotes from multiple A-rated carriers
Expert guidance on California workers' comp requirements
Claims support and safety program assistance
Get Your Free California Workers' Compensation Quote
Frequently Asked Questions
Everything you need to know about workers' compensation insurance in California
Is workers' compensation insurance required in California?
Yes, California law requires most employers to carry workers' compensation insurance as soon as they hire their first employee. This includes part-time, temporary, and seasonal workers. Sole proprietors and partners are generally exempt but can choose to be covered.
What does workers' compensation insurance cover?
Workers' comp covers medical expenses, rehabilitation costs, partial wage replacement (typically 2/3 of average weekly wages), temporary or permanent disability benefits, and death benefits for work-related injuries or illnesses.
How are workers' compensation premiums calculated?
Premiums are based on your industry classification code, payroll amounts, claims history (experience modification factor), and safety programs. Higher-risk industries typically have higher rates per $100 of payroll.
What happens if I don't have workers' compensation insurance?
Operating without required workers' comp in California can result in fines up to $100,000, criminal charges, and personal liability for all employee injury costs. The state can also issue stop-work orders.
Can independent contractors be covered under workers' compensation?
Independent contractors are generally not covered, but California has strict rules about worker classification. Misclassifying employees as contractors can lead to significant penalties and liability.
How quickly do I need to report a workplace injury?
Employers must report serious injuries to Cal/OSHA within 8 hours and provide injured workers with a claim form within 1 working day. Claims should be filed with your insurance carrier immediately.
Still have questions about workers' compensation requirements?
Contact Our Workers' Comp Experts