Coverage for on-the-job injuries.
Workers' compensation coverage for employee injuries, medical expenses, and lost wages — and to help meet California employer obligations.
Workers' compensation helps protect both your employees and your business when a work-related injury occurs. It may cover medical treatment and a portion of lost wages, and helps employers meet their obligations under California law. We help you understand the requirements and review coverage options.
Employee Injury Coverage
Coverage for work-related injuries to employees, subject to policy terms.
Medical Expenses
May help cover medical treatment for work-related injuries, subject to policy terms and state requirements.
Lost Wages & Disability
May help replace a portion of lost wages for employees unable to work due to a work-related injury.
Employer Obligations
Helps employers meet their obligations when an employee is injured on the job.
California Requirement
Workers' compensation is generally required by California law for most employers with employees.
Exclusive Remedy
Workers' compensation is generally the exclusive remedy, meaning covered claims are handled through the policy rather than a lawsuit.
Death Benefits
May provide benefits to dependents if a work-related injury results in death, subject to policy terms.
Employer's Liability
May protect the employer against certain liability claims related to work injuries, subject to policy terms.
Required for most California employers.
In California, most employers with one or more employees are generally required to carry workers' compensation coverage, regardless of the size of the business or the type of work.
Because the requirements and penalties can be significant, we help you understand how the rules apply to your operation and review coverage options that may fit.
Who Must Carry It
In California, most employers with one or more employees are generally required to carry workers' compensation coverage.
Penalties for Non-Compliance
Failing to carry required workers' compensation can result in significant penalties under California law.
How It Works
When an employee is injured on the job, the policy may cover medical treatment and a portion of lost wages, generally as the exclusive remedy.
Sole Proprietors & Partners
Sole proprietors without employees are generally not required to carry coverage, though optional coverage may be available.
Understanding workers' compensation.
Am I required to carry workers' compensation?
In California, most employers with one or more employees are generally required to carry workers' compensation coverage. We help confirm how the requirements apply to your business.
Does it cover injuries that happen outside California?
Workers' compensation generally covers work-related injuries that arise out of and in the course of employment, subject to policy terms and jurisdiction.
Are sole proprietors required to carry it?
Sole proprietors without employees are generally not required to carry workers' compensation, though optional coverage may be available.
What if I use independent contractors?
Misclassifying employees as independent contractors can create exposure. We help review how your workforce is structured and the coverage that may apply.
Review your workers' comp.
Tell us about your workforce and we'll help you review workers' compensation coverage options and California requirements.