If an on-the-job injury or illness happens to one of your employees, they may be entitled to workers’ compensation. Just one injury can cause an employee to be out of work for months, leading to serious financial hardship. Since fault does not matter when it comes to workplace injuries, you may be responsible for an employee injured on the job. Workers’ Compensation Insurance can protect your business from a lawsuit and your employees from loss of income.
As a Contractor, you’re faced with many potential liabilities. Click the flashing yellow buttons to learn more about the different types of coverage you need to protect you, your employees and your business.
Here are some quick FAQs about Workers’ Comp in California:
- You’re wondering if you need Workers’ Comp? The bottom line: even if you have only one employee, California law requires you to have Workers’ Comp.
- Are executives and directors of the company covered? Generally all employees are covered, but in the case of sole owners, they may elect to not be covered at all.
- Where can you obtain Workers’ Comp? We can probably help, but the State Compensation Insurance Fund (State Fund) is required to provide you with coverage.
- What determines how much you will pay for premiums? A number of factors go into determining your annual premium: your industry classification; past history of work-related injuries; your payroll; and other special situations.
How to Request a Proposal
For an insurance proposal at no obligation or cost please complete the form on this page and click the SUBMIT button.
You can also call us at 800.262.9998 or send us an email.
More commercial insurance coverage options:
- Business Auto
- Craft Brewers & Distillers
- Cyber Liability Insurance
- Employment Practices Liability Insurance (EPLI)
- General Liability
- Property/Inland Marine
- Umbrella/Excess Liability
- Workers’ Compensation
- Youth Sports Organizations
Click these links and learn more about the different types of coverage you need to protect your business.