Workers’ Compensation Insurance
Workers’ Compensation Insurance for California Employers
If you run a business in California—even with just one employee—you’re legally required to carry workers’ compensation insurance. It’s a must-have coverage that protects both your people and your business when a workplace injury or illness occurs. At Derian Insurance, we help Los Angeles employers find smart, affordable work comp insurance options that meet state law and support your team when it matters most.
From construction crews in Burbank to retail shops in Pasadena, we help small and mid-size businesses across LA navigate
California’s workers’ comp requirements with ease.
How Work Comp Premiums Are Calculated
Workers’ compensation pays for medical bills, lost wages, and rehab if an employee is hurt on the job. It also helps shield you from lawsuits related to those injuries. For example:
A delivery driver is injured in a car accident
A warehouse worker strains their back lifting heavy boxes
An office employee develops carpal tunnel from repetitive tasks
In every case, employers’ insurance steps in to cover the cost.
Who Needs Workers’ Compensation in California?
Under California law, any business with one or more employees—even part-time or seasonal—must carry a workers’ comp policy. That includes:
- Construction contractors
- Restaurants and hospitality businesses
- Retail stores and service providers
- Nonprofits and family-run shops
Even sole proprietors often need coverage to meet contract requirements or protect themselves when hiring subcontractors.
Need it fast? We can issue workers’ comp certificates quickly for new hires or compliance with vendor agreements.
How Work Comp Premiums Are Calculated
Several factors impact the cost of your workman’s comp policy:
Payroll
Higher payroll equals higher premium
Employee job class codes
Riskier work = higher rate (e.g., roofer vs. office admin)
Experience Mod
Based on your company’s claims history (we help manage this over time)
Safety practices
Discounts available for safety programs and proactive risk management
We’ll help you review your classification codes, optimize your reporting, and keep your premiums under control.
Why Derian Insurance for Workers’ Comp?
We’ve been helping Los Angeles businesses navigate workers’ comp for over 55 years. Whether you’re in a high-risk industry like construction or just hiring your first W-2 employee, our team makes sure:
- You meet all
California workers’ comp rules
- You’re set up with a carrier that understands your industry
- You get help filing claims quickly and clearly if someone is injured
- You have a real, local agent to talk to—not just a 1-800 number
We don’t just sell a policy—we help you understand how to make it work for your business.
Common Questions About Workers’ Comp in California
Who’s required to have workers’ comp in CA?
Any business with even one employee. It’s not optional under state law.
What does workers’ comp insurance cover?
It covers medical care, lost wages, rehab, and sometimes death benefits when an employee is injured or becomes ill due to work.
How are premiums determined?
By your total payroll, your industry’s risk level (job class codes), and your claims history.
What if I’m self-employed?
You’re not legally required to carry it, but some clients or contracts may require it anyway. Plus, we offer options for sole proprietors and independent contractors too.
Do I need coverage for subcontractors?
In many cases, yes. If your subcontractors don’t carry their own valid workers’ comp, you may be held responsible for injuries.
Get a Workers’ Comp Quote in Los Angeles
Running a business is hard enough—compliance with California’s workers’ comp law doesn’t have to be. Let Derian Insurance guide you through your options, get you properly covered, and help you avoid costly mistakes.