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 lawsuits, fines, and 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’s not covered?
Workers’ compensation typically does not cover:
Injuries suffered while an employee is off the clock or not performing job duties
Intentional or self-inflicted injuries
Incidents involving drug or alcohol use on the job
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 workplace injuries include lifting-related injuries, slips and falls, and repetitive motion conditions.
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
We help you find the most competitive rate for your industry and guide you on potential savings through proper classification, safety programs, and available discounts.
Whether you’re hiring your first employee or managing a growing team, we’ll help you set up workers’ comp that protects your people and your business.