Business Insurance

Workers' comp for California employers

California law requires employers with employees to carry workers' compensation insurance, even if you only have one part-time employee. Penalties for going without it are significant.

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Many small-business policies can be quoted online through NEXT Insurance. For larger, specialized or hard-to-place risks, send a request and we will shop it for you. Selecting "Get an Instant Business Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

Workers' comp pays medical care and lost wages for employees injured on the job and helps protect your business from related lawsuits.

What workers' compensation can cover

Medical benefits

Treatment for work-related injuries and illnesses.

Temporary & permanent disability

Partial wage replacement while an employee recovers, and benefits for lasting impairment.

Supplemental job displacement

Retraining benefits in certain cases.

Employer's liability

Protects against certain lawsuits related to workplace injuries.

Things to consider

Premium is based on payroll and job classification. Accurate classification matters.
Expect a payroll audit at the end of the policy term.
Pay-as-you-go billing may help with cash flow on some policies.
Contractors should check current CSLB workers' comp requirements for their license classification.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

Do I need workers' comp if I have no employees?

Generally not for sole owners, though some contracts or licenses require it. Rules for contractors are specific, so ask us or check with the CSLB.

Are my family members employees?

Possibly. It depends on how they are paid and your business structure. We can help you sort it out.

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Jake Livingood

Licensed Agent · CA License #4135028

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Call (530) 813-9150

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