Workers’ Compensation

A safe work environment should be a top priority for business owners. But accidents happen and a worker can suffer an array of injuries. Get your worker’s comp quote today by completing our online form and gain a protection for you and your employees.

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Workers’ Comp 101

By California law, worker’s compensation insurance is mandatory for any business that has one or more employees. It covers medical costs and lost wages for employees who were injured or ill on the job. If you have a business insurance package, workers’ comp insurance must be purchased as a separate policy.

We know that selecting the right workers’ comp policy can be a lengthy process, which is why we’re here to simplify that process for you. Get your free quote today by submitting our online form or calling directly at (714) 893-7112.

What does worker's comp cover and what doesn't it cover?
  • Workers’ comp insurance typically only cover injuries or illnesses when they occur as a result of duties performed on the job. The coverage and premium are rated based upon the duties performed by employees.
  • Workers’ Comp may cover:
    • Medical expenses
    • Lost income/wages
    • Rehabilitation costs
    • Death benefits
  • Workers’ Comp does not cover:
    • Third party lawsuits
    • Lawsuits over professional errors
    • Wages for replacement worker
    • Parental leave benefits
How do I file a workers' comp claim?
  1. Contact necessary authorities
    1. Make sure your employee gets the proper medical treatment if they’re injured on the job. 
  2. Gather necessary information
    1. Company information (account number, location, and policy number)
    2. Injured employee info (name, date of birth, address, phone number, Social Security number, age, gender, etc.)
    3. Details of the incident (date of incident, type of injury, exact body part injured, the cause of injury, estimated number of days the employee will lose, anticipated return date, any witnesses, etc.)
  3. Report your claim
    1. Contact our office and a representative will be in touch to guide you through the process. +1 (714) 893-7112

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Workers’ Comp FAQs

How is workers’ comp calculated?

A workers’ comp premium is calculated based on numerous factors, such as class codes, number of employees, payroll, and claims history. A simple formula to give you an estimate is:

Class Code Rate x Experience Mod. x (Payroll/$100) = Premium*

A classification code is determined by each state and the type of work performed by the employees. Different jobs are given different codes. The experience mod is unique to each business. This number is determined by comparing a specific business to an average business in the same industry.

How much does workers’ comp insurance cost?

The cost of workers’ comp insurance varies greatly depending on specific risk characteristics of the business. Each business is unique, so there is no standard cost for workers’ comp. Some of these factors are:

  • Laws in the state the company does business in
  • Size of payroll 
  • Types of work employees do and related risks
How do I get the best price on workers’ comp insurance?

Buying workers’ comp insurance can be daunting. Because of state regulations, there are many factors to consider and can be more complex depending on the business operations. That’s why it’s important to work with an insurance agent that has deep experience working with businesses on workers’ comp solutions. You can rest easy knowing we’re looking after your business and employees. Complete our online form for a quote or contact us directly.

Get A Free Workers’ Comp Insurance Quote

Please fill out the form below to get a free Workers’ Comp Insurance quote. If you’d rather do this over the phone or in person feel free to contact us directly.

General Information

Business Address

Business Information


Date of Birth*


Prior Insurance

If You Have Any Questions, Contact Us