California Workers' Compensation Insurance

AmTrust is an industry leader in workers’ compensation for California small businesses. Connect with an AmTrust-appointed agent to get a quote.


Choose AmTrust for Workers' Compensation Coverage in California

Workers' compensation insurance protects your most valuable asset – your workforce. Should an employee suffer job-related injuries or accidents, workers' comp covers the cost of medical expenses, lost wages and retraining costs or compensation for permanent disability.

As the third largest workers’ compensation carrier in the United States, AmTrust can design the specific packages small and mid-sized businesses need to comply and succeed. From Los Angeles to San Diego, San Francisco, Sacramento and everywhere in between, AmTrust is a one-stop shop for California workers’ compensation insurance.  

Is Workers’ Compensation Mandatory in California?

All California businesses, no matter if they employ one or 100 employees, are required to have workers’ compensation coverage. Even if the business is headquartered in another state, if employees regularly work in California, workers’ compensation is mandatory for the company. Workers’ comp is required for both full-time and part-time employees. 

While workers’ compensation coverage is not mandatory for independent contractors and sole proprietors, it is still highly recommended. Personal health insurance providers may deny the claim when an injury is work-related. The individual would be responsible for paying medical bills out of pocket if they don’t have workers’ compensation insurance. Self-employed individuals are encouraged to visit the California Department of Industrial Relations for more information about their rights and liabilities.

Common Workers’ Compensation Claims in California

  • Slips, trips and falls
  • Vehicle accidents – car or truck
  • Physical overexertion
  • Indoor air pollution due to improper ventilation

Reduce Workers’ Compensation Claims with Loss Control Services from AmTrust

AmTrust’s Loss Control Department specializes in risk management solutions to help prevent injuries and improve employee safety. We take a proactive approach to reducing workplace injuries by offering robust employee training and consultant services to identify the specific risks each individual business may face. 

From onsite or virtual in-depth risk assessments to our extensive collection of safety and risk management resources, AmTrust Loss Control can help identify common hazards that can lead to costly business losses and connect employers to solutions to help prevent or minimize them.

How Much Does Workers' Compensation in California Cost?

The cost of workers’ compensation for California small businesses depends on several factors. The size and location of the company, the specific industry, coverage limits and the various risks facing the employees all have an impact on the cost of coverage. 

Additionally, businesses with safe workplaces could see an experience modifier, the connection between their workplace injury loss and workers’ comp costs, that is better than average. Insurance companies use experience modifiers to help determine workers’ compensation premium costs, and companies with lower risk will generally have a lower premium.

To get a quote, connect with an AmTrust-appointed agent today.

Workers’ Compensation Resources for California Small Business Owners

AmTrust is here to help small businesses in California with a variety of workers’ compensation resources to help protect the company and keep employees safe.

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