Workers’ comp
Workers’ comp insurance — required, placed fast.
California and multi-state workers’ compensation for employers — including hard-to-place trades and new businesses. Pay-as-you-go options.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Compliant coverage without the cash crunch
California employers with employees are generally required to carry workers’ comp, and most contracts demand proof. We place coverage for trades others decline — roofing, trucking, construction — and set up pay-as-you-go billing tied to payroll so you’re not fronting a big deposit.
What it covers
Medical benefits
Treatment for job-related injuries and illnesses.
Lost-wage / disability
Partial wage replacement while an injured worker recovers.
Employer’s liability
Defense and damages if an injured employee sues.
Return-to-work
Support and benefits to get employees back on the job.
Same-day COIs
Certificates for the contracts and clients that require proof.
How much it costs
In California, workers’ comp averages about $63/month for many small employers, priced at roughly $1.34 per $100 of payroll — but the rate swings widely by class code, from low for clerical work to high for manual trades. Pay-as-you-go billing ties premium to actual payroll, so there’s little or no upfront deposit. We shop comp specialists to place hard-to-rate trades affordably.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
California law requires workers’ comp for virtually all employers with employees — full-time or part-time, with no minimum headcount. Beginning January 2028, all licensed contractors must carry it even with no employees. Not carrying it is serious: penalties can reach $10,000 per employee, a stop-work order, and up to $100,000 in fines plus possible jail.
How it works
Tell us about your payroll
Class codes, headcount, and states where you operate.
We shop comp carriers
Including specialists for hard-to-place trades.
Bind & get your COI
Certificate issued same-day for your contracts, where available.
See how the pieces fit
Describe duties before choosing a label
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Who works
Discuss owners, employees and subcontractors without assuming labels settle status.
- 02
What they do
Break down actual tasks, job sites and work in other states.
- 03
Payroll records
Prepare payroll estimates and ask how changes and audits are handled.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- What your business does and where it operates
- Employees and insurance requirements in contracts
- Existing coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much does workers’ comp cost in California?
It averages about $63/month, or roughly $1.34 per $100 of payroll, but varies widely by class code. Manual trades cost more than clerical work.
Is workers’ comp required in California?
Yes — for virtually all employers with any employees, even one part-timer. Licensed contractors must carry it from January 2028 even with no staff.
What are the penalties for not having it?
Up to $10,000 per employee, a stop-work order, and as much as $100,000 in fines plus possible jail. It’s a misdemeanor.
Can I pay monthly based on payroll?
Yes — pay-as-you-go ties premium to actual payroll, so there’s little or no upfront deposit.
Do you cover hard-to-place trades?
Yes — roofing, trucking and construction included. We work with comp specialists for high-risk class codes.
Does it cover business owners?
Owners can often be included or excluded depending on entity type — we’ll set it up correctly for your business.
How fast can I get a certificate of insurance?
Same day once the policy is bound.
What does workers’ comp cover?
Medical care, partial lost wages, disability and employer’s liability for job-related injuries.