Worker’s Compensation Insurance
Protect your small business with commercial insurance.
What Is Workers’ Compensation Insurance?
Workers' compensation insurance is a mandatory coverage for employers in California. It helps pay for medical expenses, wage replacement, rehabilitation, and other benefits when an employee is injured or becomes ill due to a work-related event.
This coverage protects both the employer and the employee. For workers, it ensures access to care and income support. For business owners, it provides financial protection against injury-related costs and legal exposure.
Workers’ comp is one of the foundational policies required to run a business with employees in California, whether you operate a construction crew, retail shop, office-based firm, or any other organization with staff.
Do I Need Workers’ Compensation Insurance in California?
In most cases, yes. California requires nearly all employers to carry workers' comp insurance, even if you have just one part-time or full-time employee.
You likely need workers' compensation if you are:
A contractor or subcontractor with employees
A small business with part-time or full-time staff
A professional services firm with office workers
A retailer or restaurant with hourly employees
An auto service or repair shop
A transportation, logistics, or delivery company
A manufacturer or warehouse operation
How QuickBizQuote Helps California Employers Shop Smarter Worker’s Compensation
Independent Insurance Brokerage:
QuickBizQuote is not tied to a single carrier. That means we compare multiple top California markets to help business owners find coverage that fits their operations, budget, and growth plans.
We help you:
Understand the key differences between carriers
Explore pricing, class codes, and rating factors
Identify potential premium savings (experience mods, payroll adjustments, safety programs)
Avoid common mistakes that lead to unexpected costs or compliance issues
Secure fast, same day quotes.
What is Typically Covered with Worker’s Compensation?
Medical Benefits
Covers medically necessary treatment for workplace injuries and illnesses, including hospital care, physical therapy, and long-term treatment plans.
Wage Replacement (Temporary Disability Benefits)
Provides partial income to employees who cannot work due to a covered injury.
Permanent Disability Benefits
Compensates employees who sustain permanent impairments from workplace injuries.
Supplemental Job Displacement Benefits
Offers retraining or skill-enhancement vouchers when an employee cannot return to their previous role.
What is NOT Typically Covered with Worker’s Compensation?
Injuries Outside the Course of Work
Incidents that occur away from work duties or not connected to the employee’s job are generally not covered.
Intentionally Self-Inflicted Injuries
Workers’ comp does not cover injuries that an employee deliberately causes to themselves.
Injuries Resulting From Intoxication or Drug Use
If an injury is caused by alcohol or drug impairment, coverage is typically excluded.
Off-Duty Incidents
Events that happen while an employee is not working, not on the clock, or not performing job-related tasks are usually not eligible for benefits.
Independent Contractors (Unless Misclassified)
Genuine independent contractors are not covered under workers’ comp policies; hAs an independent insurance brokerage, QuickBizQuote is not tied to a single carrier. That means we compare multiple top California markets to help business owners find coverage that fits their operations, budget, and growth plans.
We help you:
Understand the key differences between carriers
Explore pricing, class codes, and rating factors
Identify potential premium savings (experience mods, payroll adjustments, safety programs)
Avoid common mistakes that lead to unexpected costs or compliance issues
Secure fast quotes — often within the same dayowever, misclassification could create employer responsibility depending on state rules.