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How To Buy Workers Comp Insurance in California

2020 California Coverage Information

    California requires all employers to purchase workers comp in the state regardless of the number of employees.

    Sole-Proprietors are not required or automatically included for coverage on a workers comp policy, but they can elect to be included. Owners must be endorsed or excluded on the Acord 130 application.

    Partners are automatically included for coverage and can't elect to be exempt.

    Corporate Officers who are the sole shareholder are excluded from coverage, but they may elect coverage. Officers of other corporations are automatically included for coverage and can't be excluded or exempt.

    All LLC Members who work in the business are included for coverage in California. However, non-working LLC Members are excluded from coverage unless the elect to be covered on the Acord and policy.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole-Proprietors who include themselves on workers compensation coverage must use a minimum payroll amount of $52,000 and a maximum of $133,900 for rating purposes.

    Partners, Officers and LLC Members who are not excluded from coverage must utilize a minimum payroll of $52,000 and a maximum of $133,900 for the purpose of rating workers comp premium. (As of 01/01/2018)

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in California can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in California.

$O Deposit or Minimum Down

We've developed Pay As You Go workers compensation programs that reduce or eliminate premium deposits and allow California employers to report and pay premium based on actual payroll wages. Reduce your audit risk today.

More Payments Options

We've negotiated special terms with many of our insurance partners to offer more flexible payment plans like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Easier to Qualify for Coverage

We offer workers compensation quotes from over 35 insurance carriers writing insurance in CA, making us your best option for lower workers compensation rates, and good quotes for tougher workers comp class codes in California.

We Are Your Workers Compensation Champion

Uniquely Positioned to Win Business

At Workers Compensation Shop, we're a little old fashioned. We still believe insurance is a relationship business. Sure, our technology is amazing, but trust is even more important to us. We consult and arm our customers with work comp knowledge. Then we advocate on your behalf to shop coverage for you.

Find Help With California Class Codes

California does not utilize NCCI for managing and developing workers comp rates. Instead, California utilizes its own system and rating bureau: Workers Compensation Rating Bureau of California. Our licensed Specialists can help employers navigate and understand California classification codes and more.

Get Faster Workers Comp Quotes

We make the process of getting workers comp quotes fast and easy. We know your time is valuable. That's why we work hard to streamline the quote process, compare your rates, and present your best options as quickly as possible. Get workers' compensation quote options back in 24 hours or less.

Shop 35 Insurance Carriers with Experts

Why go it alone? We're a National Agency, and we have tons of carriers offering work comp in California. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.

Don't Wait for Your California Rates to Increase

Did you know that the cost of a workers comp policy in Alaska can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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