Workers Compensation Insurance · California
Workers Compensation Insurance for California Employers
Workers Compensation is required by California law for virtually every employer. It covers medical expenses, lost wages, and rehabilitation costs when an employee is injured on the job — and protects you from employee lawsuits related to workplace injuries.
What It Covers
On-site injuries from falls, equipment, or machinery
Repetitive stress and occupational illness claims
Employee lawsuits alleging employer negligence
State compliance penalties for uninsured employers
High-frequency claims in labor-intensive industries
Misclassification of workers as independent contractors
Coverage Components
Core Components
Medical Benefits
Covers all reasonable medical treatment for work-related injuries or illness.
Temporary Disability
Pays a portion of lost wages while an employee is unable to work during recovery.
Permanent Disability
Compensates employees for lasting impairment resulting from a work injury.
Employer's Liability
Protects you from employee lawsuits alleging employer negligence — Part B of the policy.
Death Benefits
Provides benefits to dependents of employees who die as a result of a work-related injury.
Optional / Add-On Components
Vocational Rehabilitation
Helps injured employees retrain for a new role if they can't return to their original job.
Frequently Asked Questions
