Worker's’ Compensation Insurance
Protect your team — and your business — when the unexpected happens.
Even in the safest workplaces, accidents can happen. Workers’ compensation insurance helps protect your employees and your business when a job-related injury or illness occurs.
It can cover medical care, lost wages, and rehabilitation costs — helping employees recover while protecting your business from costly lawsuits or penalties.
What is workers’ compensation?
Workers’ compensation (often called “workers’ comp”) is a no-fault insurance program that provides benefits to employees who suffer work-related injuries or illnesses. In return, it helps protect employers from lawsuits related to those incidents.
In California, workers’ comp coverage is legally required for any business with at least one employee — even part-time.
What does it cover?
If an employee is injured or becomes ill due to their job, workers’ compensation can help pay for:
• Medical care and treatment
• Partial wage replacement while they recover
• Physical therapy or rehabilitation services
• Permanent disability benefits, if applicable
Common causes of workplace injuries include lifting heavy objects, slips and falls, and repetitive motion injuries.
What’s not covered?
Workers’ compensation typically does not cover:
Injuries that happen outside of work (e.g., personal activities)
Intentional or self-inflicted injuries
Incidents involving drug or alcohol use on the job
How much does it cost?
The cost of workers’ compensation insurance depends on several factors:
Industry classification — Some jobs carry higher risk than others
Payroll and number of employees — More payroll typically means higher premiums
Claims history — Businesses with fewer past claims may qualify for lower rates
Your broker can help you find the most competitive rate for your industry and help you understand potential savings through safety programs or group discounts.
Ready to protect your team?
Whether you’re hiring your first employee or managing a growing staff, workers’ comp isn’t just a legal requirement — it’s an investment in your people and your peace of mind.