Workers' Compensation in California

California requires workers' comp from your first employee. Covers their medical costs and lost wages — and protects your business from lawsuits.

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Custom quote

Tell us about your business and we'll build the right package for you.

What this coverage includes

Employee medical expenses

Covers complete medical treatment for employees injured or ill due to work causes.

Lost wages

Replaces a portion of the employee's wages while they can't work due to the work injury or illness.

Employer's liability

Protects the business against employee lawsuits claiming employer negligence caused the injury.

Death benefits

Pays benefits to the dependents of an employee who dies as a result of a work injury.

Why choose Auto International

Required from your first employee

In California, operating without workers' comp with employees is a serious crime and exposes your business to severe fines.

Protects against misclassified independent contractors

Under California's AB5 law, many workers classified as contractors can claim as employees. Workers' comp reduces that exposure.

Rates by industry and experience

Rates are calculated by your industry risk classification and claims history. A good record lowers your premium.

Spanish-language assistance for your employees

We help your employees understand the claims process in their language.

Frequently asked questions

I'm the business owner and I got injured. Does workers' comp cover me?

It depends. In California, sole proprietors and general partnership partners are generally excluded from workers' comp, but can opt in. Corporate officers may opt out.

What happens if I don't have workers' comp in California?

It's a misdemeanor punishable by fines up to $10,000 or jail. Also, the employer is directly responsible for all the employee's medical and compensation costs.