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Workers’ Compensation Insurance in California
As Low As $83/month

If you have even one employee in California, the law requires you to carry workers’ compensation insurance. It pays for an employee’s medical care and lost wages if they get hurt on the job, and in most cases it protects you from being sued over the injury. MIS Insurance compares top-rated carriers to find small and mom-and-pop businesses the best rate.
Workers’ Comp Insurance
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    Who Needs Workers’ Comp?

    Every California employer with one or more employees, full-time or part-time. Some licensed contractors, such as roofers, must carry it even with no employees, and California is set to require it of all licensed contractors starting in 2028. We insure:

    What Does Workers’ Comp Cover?

    • Medical care for work injuries and illnesses
    • Part of an employee’s lost wages while they recover
    • Disability benefits if they can’t return to full work
    • Death benefits for the family
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    How Much Does
    Workers’ Comp Cost?

    Workers’ comp insurance from MIS starts as low as $83 a month. Your price is based on your payroll and the kind of work your employees do. Riskier work, like roofing, costs more per dollar of payroll than office work. Your claims history matters too. Call us or request a quote and we’ll give you an exact price.

    What If I Don’t Have It?

    Operating without workers’ comp is a crime in California. The state can shut your business down and fine you, and you would pay an injured worker’s bills out of your own pocket.

    Workers’ Comp Questions and Answers

    Do I need workers’ comp with only one employee?

    Yes.

    Do part-time employees count?

    Yes.

    I’m self-employed with no employees. Do I need it?

    Usually not, unless you’re a licensed contractor in a trade that requires it. Some clients may still ask for it.

    Does it cover me, the owner?

    It depends on how your business is set up. Call us and we’ll explain your options.

    What else does my business need?

    Most small businesses also need general liability and commercial auto.

    MIS Insurance provides workers’ compensation insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove