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Workers' Compensation Insurance Requirements in California
Who Needs Workers' Compensation Insurance in California?
California law requires an employer in California with even one employee to provide workers' comp coverage.
California Exceptions
Normally, workers' comp insurance for sole owners/operators is optional. You should consult with your business insurance agent concerning your specific situation.
Contact Information in California:
California Division of Workers' Comp
Phone: 510-286-7100
Recorded Info: 800-736-7401
WORKERS' COMPENSATION REQUIRED FOR FULL- AND PART-TIME DOMESTIC EMPLOYEES in California
About Workers Compensation Insurance
Workers compensation insurance protects the domestic employee and the employer from the expenses and liabilities associated with a work-related accident. A single accident can leave the employer liable for thousands of dollars in medical bills. Don't assume that this liability is covered under your Homeowner's Insurance Policy!
Many states require household employer to carry Workers Compensation insurance for their employees. The legal requirements for obtaining this insurance vary widely from state to state, with wages paid or hours worked usually the defining item, not job description.
Typically this insurance is available through commercial insurers. State insurance pools exist for those employers unable to obtain commercial coverage. These state pools are generally very expensive due to the higher risk levels present in the pool.
Domestic employers should discuss their requirement for this insurance with their Property/Casualty agent. You may also need to update your automobile insurance if your domestic drives your personal vehicle.
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Contact California's Division of Workers' Compensation (DWC). More... |
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Find companies that offer Workers' Compensation insurance coverage in California. More... |
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View our issues affecting your Workers' Compensation insurance premiums. More...
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