Workers' Comp
Workers' Comp
In California, having employees without workers' comp gets expensive fast. We get you covered quickly and at a fair price.
California law requires nearly every business with employees to carry workers' compensation, and the CSLB requires it for contractors with crews. It covers medical bills and lost wages when someone gets hurt on the job, and it protects you from lawsuits. We quote based on your actual trade and payroll, so you never pay for risk you don't have.
01
Stay legal with the state and the CSLB
Avoid fines, stop-work orders and license suspension for lapsed coverage.
02
Priced for your actual trade
Premiums depend on your class code and payroll. Classifying it right lowers the cost, and that's our job.
03
Same-day certificates
For the contract, the general contractor or the city that asks for it.
What it covers
- Medical bills for work injuries
- Lost wages during recovery
- Rehabilitation and return to work
- Defense against labor lawsuits
- CSLB-licensed contractors and their crews
- Businesses of every trade: construction, cleaning, restaurants, shops
Frequently asked questions
Am I required to carry workers' comp?
If you have at least one employee in California, almost certainly yes. For contractors, the CSLB requires it even with a small crew. Operating without it can bring fines in the tens of thousands.
How much does it cost?
It depends on your trade and payroll: high-risk work pays more than office work. We quote several carriers and check that your classification is correct so you don't overpay.
What if a worker gets hurt and I have no policy?
You pay the medical bills and wages out of pocket, plus state penalties. It's one of the most expensive mistakes a business can make.
Insured today. Peace of mind tomorrow.
Free quote, no commitment, in your language. Call us or send a message. We answer any time of day.