Workers Compensation

Workers Compensation


Protect your business and employees from workers' compensation claims. Promote a culture of safety and reduce the cost and frequency of claims.

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Insurance providing wage replacement and/or medical benefits to employees injured on the job.

What is Workers' Comp Insurance?

If you are a business owner in California with employees, you will want to understand your obligations as it pertains to carrying Workers' Compensation insurance.  Basically, if you have employees, you need to have Workers' Comp insurance.  This will cover your employee(s) if they are injured on the job and need coverage for wage loss or medical needs related to said work injury.

As explained in Entrepreneur's "Workers' Compensation 101" online article, most states:

...require employers to purchase an insurance policy [in order] to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure.

Enrolling is Easy

As stated at

You can purchase workers' compensation insurance coverage through an agent or a broker from any of the privately licensed insurers authorized to write policies in California.

Here at J.S. Downey Insurance Service, we offer a wide variety of options for you to obtain the required workers' comp coverage for your business, at affordable premium levels. Many factors, including the type of business and number of employees can affect your rates.  

Call us today or click to answer a few short questions and get an estimate of the potential premium costs for your business.

If you have questions on what’s required, feel free to message us.

For additional resources, both the State of California and the United States Department of Labor have websites for specific inquiries.