Workers Compensation Insurance
Protect your employees and your business with comprehensive workers compensation coverage
What is Workers Compensation Insurance?
Workers Compensation Insurance is required by California law for most businesses with employees. It provides benefits to employees who suffer work-related injuries or illnesses, covering medical expenses, lost wages, and rehabilitation costs.
California Requirement: If you have even one employee (including part-time workers), you are required to carry workers compensation insurance. Failure to comply can result in severe penalties, fines, and even criminal charges.
Workers comp also protects your business from lawsuits by injured employees, as it's generally the exclusive remedy for workplace injuries.
What's Covered
Medical Expenses
Full coverage for all necessary medical treatment, including doctor visits, hospital stays, surgery, medications, and medical equipment.
Lost Wages
Temporary disability benefits to replace a portion of lost income while the employee recovers and cannot work.
Permanent Disability
Benefits for employees who suffer permanent impairment or are unable to return to their previous occupation.
Rehabilitation Services
Vocational rehabilitation and job retraining to help injured workers return to suitable employment.
Death Benefits
Financial support for dependents if an employee dies from a work-related injury or illness, including funeral expenses.
Legal Protection
Protection from employee lawsuits related to workplace injuries, as workers comp is typically the exclusive remedy.
Who Needs Workers Compensation Insurance?
In California, workers compensation insurance is required if you have:
One or more employees (including part-time)
Executive officers in a corporation
Seasonal or temporary workers
Family members who work for your business
Contractors in certain industries
Businesses required by contract
Common Claim Scenarios
Workplace Injuries
An employee suffers a back injury while lifting heavy equipment, requiring medical treatment and time off work for recovery.
Repetitive Stress Injuries
A worker develops carpal tunnel syndrome from repetitive computer work, requiring surgery and rehabilitation.
Occupational Illnesses
An employee develops a respiratory condition from exposure to chemicals or dust in the workplace.
Vehicle Accidents
A delivery driver is injured in a traffic accident while making deliveries for your business.
Related Insurance Products
General Liability
Protect your business from third-party claims of bodily injury and property damage.
Learn More →Commercial Auto
Coverage for vehicles used in your business operations and employee drivers.
Learn More →Business Owners Policy
Bundled coverage combining multiple insurance types for comprehensive protection.
Learn More →Ready to Protect Your Employees?
Comply with California law and protect your employees with comprehensive workers compensation coverage. Our experts will help you find the right policy.
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