Worker's’ Compensation Insurance

Accidents can happen—even in the safest workplaces. Workers’ compensation insurance helps protect both your employees and your business when a job-related injury or illness occurs. It can cover medical treatment, lost wages, and rehabilitation costs, helping employees recover while shielding your business from costly legal or financial consequences.

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 that might otherwise arise from those incidents.

In California, workers’ comp insurance is legally required for any business with one or more employees—even part-time.

What does it cover?

If an employee is injured while performing job duties, workers’ compensation can help pay for:

  • Medical care and treatment

  • Partial wage replacement during time off

  • Physical therapy or rehabilitation services

  • Permanent disability benefits, if applicable

Common workplace injury causes include:

  • Lifting heavy objects

  • Slips, trips, and falls

  • Repetitive motion or strain injuries

  • Accidents involving machinery or tools

What’s not covered?

Workers' compensation generally does not cover:

  • Injuries that happen off the job (e.g., during personal time)

  • Intentional or self-inflicted injuries

  • Incidents caused by drug or alcohol use on the job

Do I need to buy workers’ comp?

Yes. In California, workers’ compensation is required by law for any business with employees. Not having coverage can result in penalties, fines, and exposure to lawsuits—even if you consider your workplace low-risk.

How much does it cost?

The cost of workers’ compensation depends on several factors:

  • Industry classification – Some industries are riskier than others

  • Payroll and number of employees – Higher payroll means higher premiums

  • Claims history – Businesses with fewer past claims may receive lower rates

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 a smart investment in your people and your business.

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