Required in California
Under California law, nearly every employer with one or more employees must carry workers compensation insurance. Contractors also face strict scrutiny of how they classify crew members, so getting this right matters.
What Workers Comp Covers
- Medical treatment for work-related injuries and illnesses
- Temporary and permanent disability payments to injured workers
- Vocational rehabilitation and death benefits
- Employer's liability coverage for certain lawsuits outside the workers comp system
Employee vs. Independent Contractor
California applies the ABC test to decide whether a worker is an employee or an independent contractor. Misclassifying crew members as 1099 subcontractors is one of the most common and expensive mistakes contractors make. We can review your subcontractor arrangements and help you understand the exposure before an audit does.
What Affects Your Premium
- Payroll by classification code, which is the main driver of cost
- Your experience modification rate (EMR) based on past claims
- Safety program and training
- Use of subcontractors and proof of their own coverage
How We Help
We gather payroll by class code, review your EMR, and shop California carriers that write contractor workers comp. We also help you keep certificates current so you aren't stopped on a job site or on a public bid.
Get a Workers Comp Quote
Send us your estimated payroll by trade and we'll compare options.
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