Best Workers Compensation Insurance In California For Your Business
Workers’ compensation insurance is a vital part of any business and is required in almost every state.
There are some 4.2 Million California small business owners, entrepreneurs, freelancers, or sole proprietors that need a workman’s comp policy.
But, what’s the best workers compensation insurance in California for businesses?
We made this quick and easy guide to assist you in finding the best workers compensation insurance company in California. You’ll learn about costs, what’s covered, exclusions, and more.
Some Of The Best Companies For Workers Compensation Coverage In California Below…PROVIDER
BEST FOR
KEY FEATURES
AVAILABILITY
The Hartford
Small & Established Businesses
Industry expertise, bundled policies, quick online quotes
Nationwide, including CA
Preferred Employers Insurance
California-Based Businesses
Specializes in CA markets, competitive rates
California only
Progressive Commercial
Quick Online Quotes
Fast application process, broad coverage options
Nationwide
Thimble
Freelancers & Short-Term Policies
Flexible policies, app-based, instant proof of insurance
California + select states
Employers Insurance
Low-Risk Industries & Remote Teams
No-broker model, required option for uninsurable businesses
California only
State Compensation Insurance Fund (State Fund / SCIF)
High-Risk or New Businesses in California
Competitive pricing, loss control services, return-to-work programs
Nationwide, including CA
THE SIMPLY INSURANCE WAY
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Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
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Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get workers comp insurance within minutes of getting your quotes and applying.
Best Workers Compensation Insurance In California For Small BusinessesThe Hartford is the best workers’ compensation insurance provider for small businesses in California. It combines industry-specific expertise (e.g., retail, hospitality, construction) with policies tailored to California’s strict labor laws. Small businesses benefit from:
Bundled discounts (e.g., savings when pairing workers’ comp with general liability insurance).Instant online quotes and policy activation, ideal for fast-moving small businesses.Free workplace safety training aligned with California’s OSHA requirements.Dedicated claims specialists familiar with CA’s disability and return-to-work regulations.Best Workers’ Compensation Insurance for Micro Businesses in CaliforniaThe Hartford is the top choice for micro businesses (1–10 employees) in California. Its policies address unique challenges like limited payrolls and part-time workers:
No minimum payroll requirements, critical for businesses with seasonal or gig workers.Rates as low as $23/month, the most affordable option for micro-business budgets.Mobile app management for certificates of insurance and claims tracking.Compliance assurance with California’s exemption rules (e.g., contractors, sole proprietors).Best Workers’ Compensation Insurance for Midsize Businesses in CaliforniaThe Hartford is the leading provider for midsize businesses (50–250 employees) in California. It offers scalable solutions for growing companies:
Experience Modification Rate (X-Mod) optimization to reduce premiums through safety programs.Multi-state coverage for businesses operating beyond California.Return-to-work programs that minimize lost productivity under CA’s disability laws.Tailored risk management for high-risk industries like manufacturing and healthcare.WORKERS COMPENSATION INSURANCE WHERE YOU LIVE
Workers comp insurance by state.
Keep your business safe with a Workers Comp Insurance Policy.
Workers Compensation insurance policies protect you against lawsuits, employee injuries, cyber security attacks, and property damage. Click on your state to get a free quote today.
Who Is The Cheapest Workers’ Comp Insurance Provider in CaliforniaThe Hartford offers the cheapest workers’ compensation insurance in California, with rates starting at $23 per month for micro and small businesses. They also offer instant estimates, no-commitment quotes, and instant coverage. Key reasons for its affordability:
Payroll-Based Pricing: Premiums scale directly with payroll size, avoiding overpayment for seasonal or part-time workers.Bundled Discounts: Save up to 15% by combining workers’ comp with other policies like general liability.X-Mod Savings: Businesses with strong safety records qualify for reduced premiums via Experience Modification Rate discounts.No Broker Fees: Direct online quoting cuts out middlemen, lowering administrative costs.California-Specific Efficiency: Streamlined claims processes and compliance with CA’s labor laws minimize overhead, passing savings to businesses.Why The Hartford Dominates Workers Comp Insurance Categories in CaliforniaThe Hartford dominates workers’ comp insurance in California due to its cost transparency, strong claims support, tailored small business coverage, and tech-driven tools. Its reputation for fast payouts, bundled policies, and customer service makes it a top choice. The company also offers industry-specific risk management solutions.
Key Reasons for Dominance:
Cost Transparency: Clear, payroll-based pricing with no hidden fees—premiums scale directly with payroll size, ensuring businesses only pay for what they need.Compliance Expertise: Policies built for California’s unique mandates, including coverage for businesses with 1+ employees and alignment with CA’s disability/return-to-work laws.Speed: Instant online quotes, mobile app claims tracking, and same-day policy activation cater to fast-paced California businesses.Reputation: Backed by an A+ financial strength rating (AM Best) and 200+ years of industry trust, ensuring reliable long-term claims support.Tech-Driven Tools: AI-powered risk assessments and app-based certificate management streamline compliance for California’s strict labor environment.Where to Get The Best Workers’ Compensation Insurance in CaliforniaGet the best workers’ compensation insurance in California by comparing top-rated providers like The Hartford, State Fund, and Employers Insurance. Prioritize companies offering fast claims, competitive premiums, and strong support for California labor laws. Use platforms like Simply Insurance to compare rates instantly.
Top Private Workers’ Compensation Insurance Companies in CaliforniaPrivate insurance companies offer a range of workers’ compensation policies tailored to diverse business needs. Notable providers include:
The Hartford: Recognized for comprehensive coverage options and a strong focus on customer service, The Hartford caters to businesses of various sizes.Preferred Employers Insurance: Specializing in California’s market, this company offers personalized services and competitive rates, making it a trusted choice for many local businesses.Employers Insurance: With a focus on small businesses, Employers Insurance provides cost-effective workers’ compensation solutions tailored to the unique challenges faced by smaller enterprises.When selecting a private insurer, it’s essential to compare coverage options, premium costs, and customer reviews to ensure the best fit for your business.
Who is the Largest Workers’ Compensation Insurance Company in California?The largest workers’ compensation insurance company in California is the State Compensation Insurance Fund (State Fund or SCIF). State Fund is a publicly funded, non-profit carrier that serves as the insurer of last resort and covers a broad range of industries across the state.
Understanding the California State Compensation Insurance Fund (SCIF)Established in 1914, the State Compensation Insurance Fund (State Fund) is California’s largest provider of workers’ compensation insurance. As a not-for-profit entity, its mission encompasses offering fairly priced coverage, promoting workplace safety, and assisting in the rehabilitation of injured workers. State Fund serves as a vital resource, especially for businesses that may face challenges obtaining insurance through private carriers.
Exploring Self-Insurance Options for California BusinessesSelf-insurance allows qualifying businesses to assume direct financial responsibility for their workers’ compensation liabilities, rather than purchasing coverage from an external insurer. To be eligible for self-insurance in California, employers must meet specific criteria, including:
Operational History: A minimum of three years operating as a legally authorized business.Financial Stability: Provision of three years of certified, independently audited financial statements demonstrating acceptable credit ratings.Claims Administration: Utilization of a licensed third-party administrator for claims processing during the initial three years of self-insurance.While self-insurance can offer cost savings and greater control over claims management, it requires a thorough understanding of regulatory obligations and a commitment to effectively managing potential risks.
How Much Workers’ Compensation Insurance Do I Need in California?Most states require you to have at least $500,000 in workers comp coverage for your employees. However, the amount of coverage you need will depend on your business’s size, location, and type.
THE SIMPLY INSURANCE WAY
Workers Comp Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get workers comp insurance within minutes of getting your quotes and applying.
How Much Is Workers’ Compensation Insurance in California?Average cost of worker’s comp insurance in California is $23.50 per month or $282 per year. In CA, workers’ compensation insurance costs between $0.75 to $3.00 per $100 of payroll, depending on industry risk, claims history, and employee roles. High-risk industries like construction pay more, while office-based businesses pay less. State Fund and private insurers offer rate calculators to estimate costs accurately.
Average Cost of Workers’ Comp Insurance in CaliforniaThe table below provides illustrative examples of workers’ compensation insurance rates for various industries in California. These figures are approximate and can fluctuate based on specific circumstances and insurers. These monthly premium estimates are assuming a monthly payroll of $25,000.
INDUSTRY
JOB ROLE
RATE PER $100 OF PAYROLL
MONTHLY PREMIUM
Construction
General Contractor
$3.00 – $30.00
$750 – $7,500
Manufacturing
Machine Operator
$2.50 – $15.00
$625 – $3,750
Healthcare
Registered Nurse
$1.75 – $5.00
$437.50 – $1,250
Retail
Sales Associate
$1.00 – $3.00
$250 – $750
Clerical/Office
Administrative Assistant
$0.40 – $1.00
$100 – $250
These estimates highlight how industry classifications impact insurance premiums. Businesses in higher-risk industries, such as construction, face higher rates due to the increased likelihood of workplace injuries. Conversely, office-based roles typically attract lower premiums reflecting their reduced risk.
Employers can utilize rate calculators provided by insurers like State Fund and private insurance companies to obtain more accurate estimates tailored to their specific business operations and workforce.
Workers’ Comp Rates in California (Per $100 Payroll)Workers’ comp rates in California range from $0.75 to over $30 per $100 of payroll, based on job classification codes. Low-risk jobs like clerical work average $0.75–$1.50, while high-risk jobs like roofing can exceed $25. The Workers’ Compensation Insurance Rating Bureau sets advisory pure premium rates annually.
California Workers’ Comp Rates by ClassificationThe Workers’ Compensation Insurance Rating Bureau of California (WCIRB) assigns specific classification codes to various job types, each with its own advisory pure premium rate. These rates reflect the anticipated cost of claims associated with each classification. Below is a table illustrating sample classification codes along with their corresponding advisory pure premium rates as for 2025:
CLASSIFICATION CODE
INDUSTRY / JOB TYPE
ADVISORY PURE PREMIUM RATE PER $100 OF PAYROLL
0042
Landscaping Gardening
$6.56
5183
Plumbing
$1.68
8810
Clerical Office Employees
$0.35
8742
Salespersons – Outside
$0.65
7228
Trucking – Local Hauling
$8.25
9015
Building Operations by Owner
$0.97
8835
Home Health Care Services
$5.32
8006
Grocery Stores
$2.15
8017
Retail Stores – NOC
$1.85
8387
Automobile Service or Repair Centers
$3.30
Note:These rates are subject to change and may vary based on the insurer and specific circumstances of the business. Employers should consult with their insurance providers or the WCIRB for the most current and applicable rates for their classifications.
How Much Does Workers’ Comp Pay in California?Workers’ comp in California pays two-thirds of the employee’s average weekly wage, up to a maximum set annually. As of 2025, the maximum weekly payment is $1,680.29. Payments cover temporary or permanent disability and are tax-free. Exact amounts depend on injury severity and wage history.
On-the-job injuries and illnesses can happen to any business. An injured or sick worker may file a workers’ compensation claim and receive these weekly payouts for medical expenses or lost income.
What Is The Average Weekly Wage?
Workers’ compensation benefits pay a percentage of your laborer’s average weekly wage to each employee. However, the payments they receive every week will be determined by your state’s regulations. As of 2025, the maximum weekly payment is $1,680.29.
How Long Does Workers’ Comp Last?If you’re wondering how long workers’ compensation will last, the answer is different for everyone. The more severe a work-related injury or sickness, the more extended payments might last.
If you think your employee will require future medical treatment beyond regular workers’ comp payouts, advise them to speak with a lawyer about legal matters.
Factors That Affect Workers’ Compensation Costs in CaliforniaWorkers’ compensation costs in California are affected by job classification, payroll size, claims history, and safety record. High-risk roles like construction increase premiums, while a clean safety record lowers them. Experience modification rates (X-Mod) also adjust premiums based on past claims compared to industry averages.
Let’s take a deeper look at several key factors:
Job Classification: Each occupation is assigned a classification code reflecting its risk level. High-risk roles, such as those in construction, typically incur higher premiums due to the increased likelihood of workplace injuries. Payroll Size: Premiums are calculated per $100 of payroll. Consequently, businesses with larger payrolls will have higher overall premiums, as more employees equate to greater potential liability. Claims History: A history of frequent or severe workers’ compensation claims can lead to increased premiums. Insurers view past claims as indicators of future risk. Safety Record: Maintaining a strong safety record can positively impact premium costs. Fewer workplace incidents suggest effective safety protocols, making the business a lower risk to insurers. Experience Modification Rate (X-Mod): This rate adjusts premiums based on a company’s claims history relative to industry averages. An X-Mod below 100% indicates a better-than-average claims history, potentially lowering premiums, while an X-Mod above 100% can increase them. Understanding and managing these factors can help businesses control their workers’ compensation insurance costs effectively.
California Workers’ Compensation Insurance RequirementsCalifornia requires all employers with one or more employees to carry workers’ compensation insurance, regardless of hours worked. Coverage must be purchased from a licensed insurer or the State Fund. Sole proprietors are generally exempt but can opt in. Noncompliance leads to fines and criminal penalties.
Who Needs Workers’ Comp Insurance in California?California is the only state that requires all employers to be covered by workers’ compensation, even if they have only one person working for you.
Even if a company’s headquarters are in another state, California law requires it to carry workers’ comp coverage for employees who work there regularly.
Which Industries Buy Workers’ Comp Policies in California the Most?Below is a list of industries that most often purchase workman’s comp insurance for their new company or startup:
Landscaping & Lawn CareFood & BeverageLegalAccounting & FinanceRetailHair & BeautyFitnessDay CareCommercial CleaningHeating & Air ConditioningWhat Are The Minimum Workers’ Comp Laws in CaliforniaEmployer liability in California is presently defined by the following minimums: $100,000 per occurrence for a workers’ compensation insurance policy. $100,000 per employee, and the total policy value must be at least $500,000.
Who Is Exempt from Workers’ Comp Insurance in California?Workers’ compensation is necessary only for certain employees. In California, it is not required for certain workers, which include:
Business owners/sole proprietors (aside from roofers)ContractorsDomestic workers who are related to their employersIndividuals who work for aid (food, housing, etc.) rather than paySpecific volunteers, including volunteers for non-profit organizationsDeputy sheriffs and deputy clerksStudents participating in amateur sporting events/amateur sports officialsDo Independent Contractors Need Workers’ Comp Insurance In California?No, independent contractors are generally not required to carry workers’ compensation insurance for themselves. However, there are important considerations to keep in mind:
Client Requirements: Some clients may require independent contractors to have their own workers’ compensation coverage as a condition of their contract. This requirement helps protect the client from potential liability in case of work-related injuries.Personal Protection: Even when not mandated, obtaining workers’ compensation insurance can be a prudent decision for independent contractors. It provides coverage for medical expenses and lost wages resulting from work-related injuries or illnesses, offering financial protection and peace of mind.Is A Licensed Independent Contractor Required to Have Workers’ Comp Insurance In California?Yes, in some cases for now. But by 2026, all licensed Independent Contractors must carry Workers Comp Insurance. In California, the requirements for licensed contractors to carry workers’ compensation insurance have evolved due to recent legislative changes:
Current Requirements (as of April 2025):
Specific Classifications: Contractors holding licenses in certain high-risk classifications are mandated to carry workers’ compensation insurance regardless of whether they have employees. These classifications include:C-8 (Concrete)C-20 (Heating, Ventilating, and Air Conditioning)C-22 (Asbestos Abatement)D-49 (Tree Service)
Upcoming Changes:
Effective January 1, 2026: All licensed contractors in California, irrespective of their classification or whether they have employees, will be required to obtain and maintain workers’ compensation insurance. This mandate stems from Senate Bill 216, aimed at enhancing worker protection across the construction industry.It’s crucial for contractors to stay informed about these requirements to ensure compliance and avoid potential penalties. For the most accurate and up-to-date information, contractors should consult the California Contractors State License Board (CSLB) or a legal professional familiar with California labor laws.
Is Workers Comp Required In California?Yes! Even if you only have one employee, California employers must carry workers’ compensation insurance. And if your workers are injured or sick because of their job, you must reimburse them for workers’ compensation benefits.
Workers’ comp insurance covers essential services such as medical care, short-term disability payments, permanent disability pensions, additional job displacement benefits, and a return-to-work supplement. It also includes death benefits for final expenses.
WORKERS COMPENSATION INSURANCE WHERE YOU LIVE
Workers comp insurance by state.
Keep your business safe with a Workers Comp Insurance Policy.
Workers Compensation insurance policies protect you against lawsuits, employee injuries, cyber security attacks, and property damage. Click on your state to get a free quote today.
How Workers’ Compensation Insurance Works in CaliforniaWorkers’ compensation insurance is a type of insurance that provides benefits to your employees if they suffer an occupational injury or sickness. Also known as workers’ comp or workman’s comp insurance, this type of coverage may help pay for your injured or sick employees’ medical costs. It can also assist with lost income due to missed work. Workers’ compensation insurance is designed to help you and your employees avoid financial harm caused by workplace injuries such as lost wages. This coverage will:
Support companies in various industriesPromote worker safetyGet employees back to work or transitional workProvide access to training for new skillsMost states require companies with employees to carry workers’ compensation insurance. But requirements vary from state to state. Employees can receive workers’ compensation insurance, regardless of who is at fault for the injuries or illness.
What Does Workers’ Comp Insurance Cover in California?Your insurance will cover the basics in California, including medical care, temporary disability benefits, permanent disability benefits, additional job displacement benefits, and a return-to-work supplement. Furthermore, death payments are covered by workers’ compensation insurance.
The vast majority of workers compensation claims are quickly resolved.
However, issues may arise if you and your employer can’t agree on whether you sustained the harm on the job and how much in benefits they are entitled to receive.
The following is a list of injured laborer benefit entitlements in California.
Medical treatment feesTemporary disability paymentsPermanent disability paymentsLife pension paymentsVocational retraining costsThe cost of burial death benefitsWhat Types Of Employee Injuries Does Workers’ Comp Insurance NOT Cover In California?Workers comp insurance in California does not cover injuries from intoxication, self-inflicted harm, off-duty activities, or violations of company policy. It also excludes emotional injuries without physical trauma and independent contractors. These exclusions help prevent fraud and ensure claims relate directly to work-related duties. Some examples include:
Driving to/from workIntoxication/intentional actHorseplayIntentional actsIllegal activitiesPolicy violationsTerminated employeesHow Is Workers’ Comp Different from Health Insurance?One major difference between workers comp insurance and individual health insurance is that workers’ compensation insurance applies only to workplace injuries, while the latter only applies to non-work injuries.
Workers’ Comp Penalties in CaliforniaWorkers’ comp penalties in California include fines of up to $100,000, criminal misdemeanor charges, and possible business closure for not having coverage. Employers without valid coverage may also face civil liability for all medical bills and lost wages. The Uninsured Employers Benefit Trust Fund may intervene, but the employer must reimburse it. The Division of Labor Standards Enforcement handles enforcement and prosecution. Not having workers comp insurance can result in:
Fines and Penalties: Employers without workers’ compensation insurance may face fines ranging from $10,000 to $100,000. Additionally, they might be required to pay double the amount of the insurance premium that would have been necessary during the uninsured period, with a minimum penalty of $10,000.
Criminal Misdemeanor Charges: Operating without the required insurance is considered a misdemeanor offense. Convicted employers can face imprisonment in the county jail for up to one year.
Prohibition of Employee Labor: The Division of Labor Standards Enforcement (DLSE) can issue a stop order, mandating the cessation of all business operations until proper workers’ compensation coverage is secured. Non-compliance with this order can lead to further penalties, including additional fines and potential imprisonment.
Can You Use Your Own Insurance Instead of Workers’ Comp in California?No, You cannot use personal health insurance instead of workers’ comp in California. State law requires all employers with at least one employee to carry workers’ compensation coverage. Personal insurance won’t cover work-related injuries, and employers without comp insurance face legal and financial penalties.
Workers’ Comp Laws and Regulations in CaliforniaWorkers’ comp laws in California require employers with one or more employees to provide coverage, regardless of hours worked. The system is governed by the California Labor Code and enforced by the Division of Workers’ Compensation (DWC). Key regulations include mandatory posting notices, claim deadlines, and benefit provisions.
What Is the New Workers’ Comp Law in California?As of January 1, 2025, several new laws have been enacted in California that impact workers’ compensation:
Increased Disability Payments: The minimum Temporary Total Disability (TTD) rate has risen from $242.86 to $252.03 per week, and the maximum TTD rate has increased from $1,619.15 to $1,680.29 per week.
Expanded Workers’ Compensation Coverage for Contractors: Senate Bill 216 mandates that all licensed contractors, regardless of whether they have employees, must carry workers’ compensation insurance. This requirement is being implemented in phases, with all contractors required to comply by January 2026.
Enhanced Notice Requirements: Assembly Bill 1870 requires that state-mandated workplace posters include language advising employees of their right to consult an attorney about their workers’ compensation rights.
These legislative changes aim to enhance worker protections and ensure that employees receive appropriate benefits and information regarding their rights under California’s workers’ compensation system.
What Is the 90 Day Rule for Workers’ Comp in California?The 90-day rule in California workers’ comp means a claim is presumed accepted if not denied within 90 days of filing. If the employer or insurer fails to reject the claim within this period, the injury is automatically considered work-related, and the worker gains full benefit eligibility.
How to Verify Workers’ Compensation Coverage in CaliforniaVerify workers’ compensation coverage in California by using the California Workers’ Compensation Coverage Inquiry tool from the WCIRB. Enter the business name or policy number to confirm active insurance status. You can also request verification through the Division of Workers’ Compensation or directly from the employer.
Workers’ Compensation Benefits in CaliforniaWorkers’ compensation benefits in California include medical care, temporary disability payments, permanent disability benefits, supplemental job displacement vouchers, and death benefits. These benefits aim to support injured workers during recovery, compensate for lost wages, and provide retraining or financial help to dependents if necessary
THE SIMPLY INSURANCE WAY
Workers Comp Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get workers comp insurance within minutes of getting your quotes and applying.
How to File a Workers’ Comp Claim in CAThe law requires your employer in California to pay for your medical treatment while you’re away from work and recuperating if you are an eligible employee with a workplace injury or sickness.
However, if you want to receive these and other workers’ comp benefits in California, you must file a timely claim.
In most situations, filing a workers’ compensation claim in California is simply a three-step process:
reporting the injury
filing the actual claim with your employer
Filing an “application for adjudication of claim” with the Workers’ Compensation Appeals Board (WCAB).
There are time restrictions for each of these phases. In some cases, you might get away with being late on the first two steps.
However, if you miss the deadline for the final step—and your employer’s insurance company refuses to provide or continue compensation—you may be out of luck.
If you are unsure, it’s always best to reach out to the California Department Of Insurance.
Workers’ Comp Settlement Chart in CaliforniaCalifornia workers’ comp settlement amounts vary by disability rating, wages, and injury type. A 10% permanent disability might result in $6,000–$8,000, while higher ratings can exceed $50,000. The Division of Workers’ Compensation uses a disability rating chart and formula to determine payouts.
The table below illustrates common injury scenarios and estimated settlement ranges based on California’s 2025 guidelines:
DISABILITY RATING
INJURY TYPE
AVERAGE SETTLEMENT RANGE
NOTES
10% Permanent
Back Strain, Minor Fracture
$6,000 – $8,000
Based on average weekly wage (CA minimum: $230.95/week).
25% Permanent
Repetitive Motion Injury
$25,000 – $35,000
Includes carpal tunnel, partial loss of limb function.
50% Permanent
Severe Burns, Amputation
$50,000 – $90,000
Payouts adjust for future medical care and lost earning capacity.
75% Permanent
Spinal Cord Injury
$100,000 – $200,000 +
Lifetime disability pensions apply for total permanent disabilities.
Why The Workers’ Comp Settlement Amount Ranges VaryPre-Impairment Earnings: Higher wages increase settlements (e.g., 500/week vs. 230/week minimum).Injury Date: Rates adjust annually (e.g., injuries after 1/1/2025 use updated tables).Future Care Costs: Severe injuries (e.g., amputations) include lifelong medical expenses.Workers’ Comp Resources for Employees in CaliforniaWorkers’ comp resources for employees in California include the Division of Workers’ Compensation (DWC), Information and Assistance (I&A) Officers, and the Department of Industrial Relations (DIR) website. These provide support for filing claims, understanding benefits, and accessing legal rights and free educational materials.
Employees in California have access to several resources for assistance with workers’ compensation:
Division of Workers’ Compensation (DWC): Oversees the administration of workers’ compensation claims and offers services to help resolve disputes.
Information and Assistance (I&A) Officers: Provide guidance to injured workers, employers, and others regarding rights and obligations under workers’ compensation laws.
Department of Industrial Relations (DIR) Website: Offers educational materials, fact sheets, and guides to help employees understand their workers’ compensation rights and benefits.
These resources support employees in filing claims, understanding benefits, and accessing legal rights and educational materials.
How To Get Workman’s Compensation Insurance In California?You can buy worker’s comp insurance for your business instantly online in California from an online insurance agency like Simply Insurance. There is no need to wait around for a workers compensation pamphlet in the mail.
We make purchasing worker’s comp plans easy, fast, and 100% online.
Workers Comp Insurance Coverage Made SimpleCompare Free Quotes & Get a Policy in Minutes.
Taking ActionWorker’s Compensation Insurance is a necessary cost for business owners who want to protect themselves and employees from the unexpected.
Finding the best workers compensation insurance in California at an affordable cost may seem daunting but business owners who do not carry coverage could end up paying out of pocket for any mishaps that occur while operating their small businesses.
All you need to do is click here to get some instant quotes and get covered today.
FAQs About Workers’ Compensation Insurance in CaliforniaHow is worker’s comp insurance calculated in California?
The total amount of premiums collected is multiplied by $100 per employee per category. By multiplying each class’s payroll by $100, you can obtain an estimate for the payrolls in each class. The base premium is the sum of all premiums collected.
Do you need workers’ compensation coverage if you’re self-employed In California?
No, you don’t need workmans comp policy if you’re self-employed. However, even if workers’ compensation isn’t required, individuals who operate their businesses or work as contractors should strongly think about purchasing it.
Is workman’s comp required for part-time employees in California?
This is going to depend on your needs, the company that will have the cheapest insurance in California for you will depend on a number of factors that relate to your home, including the value of your home, the area you live in, what type of home you live in and what type of coverage you select. Your deductibles and coverage limits will make up a portion of the cost.
Can I use my own insurance instead of workman’s comp in California?
Yes, you can also self-insure for workers’ compensation, but it isn’t usually recommended. You might need assistance from a commercial broker-agent who can also provide information on State Fund and self-insurance.
Am I Required to Have Workers’ Comp Insurance in CA?
Yes, California law requires all employers with at least one employee to have workers’ compensation insurance, even for part-time or temporary staff. Failure to carry coverage can result in severe penalties, including fines, criminal charges, and personal liability for workplace injuries.
What Is the Best Workers’ Comp Insurance in California?
The Hartford is the best workers’ compensation insurance provider for small businesses in California. It combines industry-specific expertise (e.g., retail, hospitality, construction) with policies tailored to California’s strict labor laws.
How Much Does Workers’ Compensation Insurance Cost in California?
The average cost of worker’s comp insurance in California is $23.50 per month or $282 per year depending on industry risk, claims history, and employee roles. High-risk industries like construction pay more, while office-based businesses pay less.
How Many Employees Trigger a Workers’ Comp Requirement?
In California, you only need 1 employee to be required by the California labor code to purchase workers comp insurance. You must also pay for workers’ compensation coverage if your workers are injured or ill due to their job.
ABOUT THE AUTHOR | Sa El
Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.
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