Worker’s Compensation

Yes. California law requires all businesses with employees to carry workers’ compensation insurance. Whether you have one employee or hundreds, you must provide coverage to protect workers from on-the-job injuries and illnesses. Without it, you could face hefty fines, lawsuits, and liability claims. If you’re unsure about your requirements, we can help you navigate workers’ comp insurance in Marin, Napa, and Solano.

Workers’ compensation covers a wide range of work-related injuries and illnesses, including slips and falls, machinery accidents, repetitive stress injuries, and occupational illnesses caused by workplace conditions. If an employee is injured while performing job duties, their medical bills, rehabilitation costs, and lost wages will be covered under the policy.

No. California law does not require businesses to provide workers’ compensation for independent contractors. However, misclassifying an employee as a contractor can result in penalties and legal issues. If you work with freelancers or contract workers, we can help you determine if workers’ comp or an alternative policy is necessary for your business.

In addition to covering employee medical bills and lost wages, workers’ comp insurance prevents costly lawsuits against your business. If an injured worker files a claim, your policy covers legal expenses and settlements, ensuring your company doesn’t face financial devastation. Many clients and vendors also require proof of workers’ comp insurance in Marin, Napa, and Solano before doing business with you.

The cost of workers’ comp insurance depends on your industry, number of employees, payroll size, and risk factors. High-risk industries, such as construction and trucking, typically have higher premiums due to the nature of the work. However, we help businesses find affordable workers’ comp rates in Marin, Solano, and Napa, ensuring you meet state requirements without overspending.