Business Insurance
Workers Compensation Insurance
Mandatory coverage protecting your employees and your business from workplace injury costs.
In California and most states, workers compensation insurance is required by law for any business with employees. It covers medical expenses and lost wages for employees injured or sickened on the job — and protects your business from lawsuits arising from those injuries. Getting competitive rates matters, and CIIB helps you compare across multiple carriers.
Coverage Details
What Does Workers Comp Cover?
Medical Expenses
Covers all reasonable and necessary medical treatment for employees injured on the job — from emergency care to rehabilitation.
Lost Wages
Provides partial wage replacement (typically two-thirds of average weekly wages) while an injured employee is unable to work.
Permanent Disability
Compensation for employees who suffer lasting impairments that affect their ability to earn income after recovery.
Death Benefits
Provides financial support to dependents of employees who die as a result of a work-related injury or illness.
Employer's Liability
Protection against lawsuits from employees claiming your negligence caused their injury, beyond the workers comp claim itself.
Vocational Rehabilitation
Covers job retraining or vocational assistance when an injured employee cannot return to their previous position.
Eligibility
Who Needs Workers Compensation?
- Any California business with one or more employees (required by law)
- Construction companies and contractors
- Restaurants, retailers, and hospitality businesses
- Healthcare, manufacturing, and warehouse operations
- Office-based businesses with any employee headcount
- Businesses using temporary or seasonal workers
Why Choose CIIB
The CIIB Advantage
- Access to multiple A-rated workers comp carriers for competitive rates
- Experience rating analysis to reduce your premiums based on safety record
- Coverage for single-state California operations and multi-state employers
- Proper classification review — misclassification is the #1 cause of overpaying
- Annual policy audits and reviews to keep premiums accurate
FAQ
Common Questions
Is workers compensation required in California?
Yes — California law requires all employers to provide workers compensation benefits to their employees, regardless of business size. Failure to carry it can result in significant fines, penalties, and personal liability for the employer.
How are workers comp premiums calculated?
Premiums are based on your payroll, the type of work your employees do (classification codes), and your claims history (experience modification rate). Proper classification and a good safety record are the most effective ways to reduce costs.
What is an experience modification rate (e-mod)?
Your e-mod is a factor applied to your premium based on your actual claims history compared to similar businesses. An e-mod below 1.0 means you have fewer claims than average and pay less. An e-mod above 1.0 means the opposite. CIIB helps you understand and improve your e-mod.
Can independent contractors be covered?
Generally, independent contractors are not covered under workers compensation — the employer's policy covers employees. However, classification matters: California law has strict rules about who is truly an independent contractor. We can help you understand your exposure.
Ready to Get Covered?
Compare rates from multiple A-rated carriers and find the right policy for your needs.