California Work Comp Insurance

California Workers Comp Policy

Getting a California Worker’s comp policy is an important concept for owners of Ca businesses to comprehend. In the state of California, worker’s compensation offers several parts of a policy that need to be  understood by a user of a policy. First, let’s define workers’ compensation insurance, often referred to as workers comp or simply work comp insurance, and explain why it’s important to get a policy.

California Work Comp Inurance Policy Defined

California Work Comp Insurance is an insurance policy that protects employees from injury or illness which occurs during the course of employment. If an employee gets hurt while performing a work related duty, for example, the employers worker’s compensation policy will provide payment for the medical expenses. If the employee cannot work or is unable to return to work for a period of time after the injury, the California Work Comp policy will also pay for lost income. Work comp coverage is required by most states for all companies with employees.

In California, workers’ comp insurance is required for businesses that employ individuals to work for them. This not only include policies for high-risk jobs, but also low-risk occupations where injury and illness are rare or unlikely to happen.

How California Work Comp Policy Insurance is Calculated

How do carriers for California workers’ comp  determine what to charge for a policy for each business? California Work Comp insurance is calculated by a Workers  Comp board that develops a rating system of suggested premiums for each type of business. A pest control contractor may be charged one rate for a work comp policy, an arborist another, and a gardener another. Each of these is developed by analyzing the history of past claims filed by companies in that industry.

How to Get a Quick CA work comp Policy?

Call me at (661) 755-2956 or Just email me at kfiorella@jgparker.com

Or visit my contact page and fill in the quick questionaire.

Frequently asked California Workers Comp Policy Questions