Workers' compensation for California employers.
Workers' compensation pays medical care and lost wages when an employee is hurt on the job, and California law requires an employer to carry it once there are employees. We ask about the work your crew actually does, then quote California-admitted carriers and walk you through the policy with you.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Workers' compensation for California employers.
Workers' compensation pays medical care and lost wages when an employee is hurt on the job, and California law requires an employer to carry it once there are employees. We ask about the work your crew actually does, then quote California-admitted carriers and walk you through the policy with you.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What does workers' compensation cover?
Four things, and they all start the moment an employee is injured doing the work you hired them to do.
Medical care for a work injury
Treatment for injuries and illnesses that arise out of the job, from a single visit to a long course of care, handled through the carrier rather than out of your pocket.
Wage replacement
Temporary disability benefits while an injured employee cannot work, so a recovery does not turn into a lost paycheck for them or an argument for you.
Permanent disability and return to work
Benefits when an injury leaves lasting effects, plus the supplemental job displacement benefit when someone cannot return to the same role.
Employer's liability
Responds to certain injury claims brought against you as the employer. It sits alongside the benefits side of the policy and is often the part owners have never read.
Who has to carry workers' compensation in California?
California requires every employer with employees to carry workers' compensation, from the first hire.
Employers with any employees
The requirement starts at your first employee, full-time or part-time. There is no small-employer exemption in California.
Owners, officers, and family members
Whether an owner or officer is included or can elect out depends on your entity type and ownership. Tell us how the business is structured and we will tell you what applies to you.
Businesses using subcontractors
If a subcontractor has no coverage of their own, their payroll can land on your policy at audit. We show you what to collect before the job starts.
Contracts and licensing requirements
General contractors, landlords, and state licensing boards frequently require a current certificate. We issue those directly.
How does a workers' compensation quote work?
Three things from you, then we do the market work.
Step 1: Tell us what the crew does
Job duties decide the classification codes, and the codes drive the rate. We ask about the actual work rather than reading a label off your business license.
Step 2: Send payroll and history
Estimated annual payroll by role, your entity type, and any prior claims or experience modification. If you have a current policy, the declarations page covers most of it.
Step 3: We quote and walk it with you
We check the California-admitted carriers we represent, then go through the classifications, the estimated premium, and how the year-end audit will work before you bind.
Not sure this is the one? Start with what happened.
You hired your first employee in California and need workers' comp.
You are opening a business and need your first policies in place.
Your renewal arrived and you want someone to look at it properly.
Your renewal arrived with a higher premium and no explanation of what changed.
You are moving to California and your policies need to move with you.
A notice says your policy ends at the renewal date and the carrier will not continue it.
Why people move their policies here.
What it's like to have one agency for everything.
You'll know what's excluded before you sign
We go through what the policy does not pay for — water backup, roof settlement, ordinance and law, wildfire smoke limits — while you can still change it. Surprises belong before the claim, not after.
The same two people know your whole file
Home, auto, business — it's all with the same office, and the same two people remember your last call. You never start over with someone new or re-explain your house at renewal.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing, so the decision is yours to make.
Straight answers, in their words.
“PLACEHOLDER_ verbatim Kevin Cox review pending. Quote as written, including the typo; trim with an ellipsis if needed.”
“PLACEHOLDER_ verbatim Joni Mckamey review pending (names Tony).”
“One call, every policy in the house, and the same person every time.”
The things we can say plainly.
Independent agency
Choices from more than one company
Since 1981
Same office, same phone number
CA Lic. 0606906
Licensed throughout California
Written by people down the street
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Need something alongside your workers' comp policy?
General liability, property, and the certificates your landlord and your clients ask you for.
Coverage for vehicles the business owns, vehicles it borrows, and the certificates your customers ask for.
Errors and omissions coverage for businesses that give advice or deliver a professional service.
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Workers' compensation questions, answered plainly.
I only have one part-time employee. Do I still need it?+
What is the year-end audit?+
What happens if a subcontractor is uninsured?+
Send us payroll and what the crew does. We'll quote it.
A licensed agent classifies the work correctly, checks your payroll and claims history, and quotes California-admitted carriers so the year-end audit holds no surprises.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side