California and multi-state workers’ compensation for employers — including hard-to-place trades and new businesses. Pay-as-you-go options.
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.
Treatment for job-related injuries and illnesses.
Partial wage replacement while an injured worker recovers.
Defense and damages if an injured employee sues.
Support and benefits to get employees back on the job.
Certificates for the contracts and clients that require proof.
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.
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.
Class codes, headcount, and states where you operate.
Including specialists for hard-to-place trades.
Certificate issued same-day for your contracts.
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.
Yes — for virtually all employers with any employees, even one part-timer. Licensed contractors must carry it from January 2028 even with no staff.
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.
Yes — pay-as-you-go ties premium to actual payroll, so there’s little or no upfront deposit.
Yes — roofing, trucking and construction included. We work with comp specialists for high-risk class codes.
Owners can often be included or excluded depending on entity type — we’ll set it up correctly for your business.
Same day once the policy is bound.
Medical care, partial lost wages, disability and employer’s liability for job-related injuries.
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