Commercial Insurance
Workers Compensation Insurance in California
California law requires nearly every employer to carry workers compensation insurance. WeInsureCali helps businesses find affordable workers comp coverage while implementing the safety programs and claims management strategies that keep your premiums as low as possible.
What Is Covered
Coverage at a Glance
Medical Expenses
Covers all reasonable and necessary medical treatment for work related injuries and illnesses, including doctor visits, surgery, hospitalization, prescriptions, and rehabilitation.
Temporary Disability Benefits
Replaces a portion of the injured employee's lost wages while they are recovering and unable to work. California pays approximately two thirds of the employee's average weekly wage.
Permanent Disability Benefits
Provides ongoing payments to employees who suffer permanent injuries that reduce their ability to earn a living. Benefits are calculated based on the severity and type of disability.
Death Benefits
Provides financial support to the dependents of an employee who dies as a result of a work related injury or illness. Includes burial expenses.
Vocational Rehabilitation
Covers retraining and job placement assistance for employees who cannot return to their previous occupation due to a work related injury.
Employer's Liability
Protects your business from lawsuits filed by injured employees in situations not covered by the standard workers comp no fault system. Covers legal defense and settlements.
California Context
Why This Matters in California
California law requires virtually every employer with one or more employees to carry workers compensation insurance. Operating without it is a criminal offense that can result in fines up to $100,000, imprisonment, and civil penalties.
California's workers compensation system is a no fault system. This means employees receive benefits regardless of who caused the injury. In return, employees generally cannot sue their employer for workplace injuries.
California has one of the most expensive workers compensation systems in the country. Premiums are based on your industry classification, payroll, and claims history. Working with an experienced agent helps you manage costs.
The California Division of Workers Compensation actively investigates businesses that operate without coverage. Penalties include stop work orders, fines of double the premium that should have been paid, and criminal prosecution.
Even businesses with only part time or seasonal employees need workers compensation in California. There is no minimum number of hours or employees that exempts you from the requirement.
Important
Operating without workers compensation in California is a criminal misdemeanor punishable by up to one year in jail and a fine of up to $100,000. If an uninsured employee is injured, you are personally liable for all medical costs and benefits. Do not risk it.
Common Questions
Frequently Asked Questions
Related Coverage Options
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