Workers Compensation California

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

California Workers Compensation at a Glance

  • Workers Compensation Requirements in California

  • Sole Proprietors can select optional coverage

  • Inform your employees of Workers' Compensation coverage

  • Avoid fines and penalties in California

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Under California workers' compensation law, you are required to pay for workers' compensation insurance as an employer. This no-fault system covers injuries, illnesses, or disabilities brought on by the environment of the workplace. Once the employee has become injured on the job or has discovered an illness brought on by the environment in the workplace, they will need to inform you, as their employer, as soon as possible.

They will need to then fill a claim form, up to line 7, while you fill out the rest of the form. As their employer, you also need to provide them with the phone number and address of the workers’ compensation company you get your insurance through. It is best to work with the injured or ill employee since refusing to provide them a claim form does not reflect well on the employer or the business.

Frequently Asked Questions

How much is Workers' Compensation insurance in California?

Employees may wonder just how much workers' compensation insurance costs in California, but the answers are easy to find. They are set by the Workers’ Compensation Rating Bureau of California, with each industry having its own rate based on risk.

In the state of California, the average workers’ compensation rate was $2.25 per $100 of the payroll in 2018. This means that costs will greatly vary from a small business to a mid-size business and across industries as each industry has its own class code.

How much loss income do you get for workers compensation in California?

In California, Workers' Compensation coverage provides two-thirds of a worker's pretax gross income but the income is limited to a maximum amount which may affect higher-earning employees.

Where do I get workers' compensation insurance in California?

CoverWallet's team can help you get Workers' Compensation coverage to keep your business compliant. Our experts can also advise you on other insurance coverages that can protect your business.

Can an employee be fired while on workman's comp in California?

In California, it is illegal to fire or harass an employee for placing a Workers' Compensation Claim. There may be other situations, however, where it is permissible to release an employee who is currently receiving Workers' Compensation benefits.

Do Sole proprietors need workers comp insurance in California?

Sole proprietors without employees in California are not required to purchase Workers’ Compensation coverage. However, a sole proprietor may choose to provide coverage for themselves. It’s also common for companies that hire sole proprietors as independent contractors to require Workers’ Compensation coverage.

What are the workers' compensation benefits in California?

Injured workers are entitled to benefits in the state under California workers' compensation law. These benefits include medical benefits, permanent disability, temporary disability, return to work fund, vocational rehabilitation or training, death benefits, and compensable consequences.

Under the workers' compensation benefits in California, compensable consequences cover any additional problems caused by the initial work-related injury. For example, an employee may experience a workplace injury that causes their ankle to give way, which then causes them to injure their back or knee.

Is there a workers' comp exemption in California?

According to the California Labor Code, there are a few instances where there is a workers' comp exemption in California. Those who are exempt from workers’ compensation include owners of corporations, those who manage a limited liability company, members of a board of directors, and others. It may be surprising to learn that independent contractors, deputy sheriffs, and individuals who work for aid instead of pay are also exempt.

If you are a business owner, it's time to look into getting workers' compensation insurance. Contact CoverWallet today to set up a phone appointment to speak with one of our agents.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

Get CoverWallet »

Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

Insurance Assessment »

The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
Endless Experience!

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

Endless Experience!

We are proud to be part of Aon, the leading global professional services firm providing advice and solutions in Risk, Retirement and Health. With us, you’re in good hands!

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Workers Compensation in California

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

Division of Workers' Compensation Los Angeles District Office

320 W. 4th Street 9th floor, Los Angeles, California, 90013
Mon through Fri from 8:30 AM to 5:00 PM
Visit the website

California Department of Insurance

45 Fremont St, San Francisco, California, 94105
Mon through Fri from 7:00 AM to 5:00 PM
Visit the website

The content provided on this page is intended for general information purposes only and is not represented to be error free nor is it intended to constitute an offer, inducement, promise or contract of any kind for you to rely upon. The information and data linked to by CoverWallet are provided as a courtesy and are not intended to nor do they constitute an endorsement by CoverWallet of the linked materials. To get accurate information for your business and industry we recommend you to contact a licensed insurance agent or attorney.