Who Needs Contractor Workers’ Comp Insurance in California?

At BearStar Insurance Services, we understand mining through the landscape of what type of contractors insurance is needed in California can be daunting. Because it’s not a one-size-fits-all option, the terrain can be tough to navigate. It’s important to fully understand Contractor’s Workers’ Comp Insurance coverage that’s needed in California specific to your business needs. Knowing this, you’ll have the confidence to focus on what you do best, running your business.

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    Contractor Workers’ Comp Insurance Requirements

    Like any other business, any contractor in California that hires an employee must have workers’ compensation, as well as, higher risk segments like contract roofers. If the contractor fails to get Workers’ Compensation Insurance in California, the state will impose severe penalties and disciplinary action.

    According to the Department of Consumer Affairs Contractors State License Board, “California law requires that employers, including those in the construction industry, to carry workers’ compensation insurance, even if they have only one employee. All active C-39 (Roofing) licensees are required to carry workers’ compensation insurance or a valid Certification of Self-Insurance, whether or not they have employees.”

    CSLB warns, “Workers’ compensation coverage must be continuous. Failure to maintain Workers’ Compensation Insurance coverage will result in the license being suspended. Any work performed while the license is suspended is considered to be unlicensed and disciplinary action can be taken against you.”

    Exemption from Workers’ Compensation Insurance in California for Contractors

    You cannot file an Exemption from Workers’ Compensation form if any of the following conditions exist:

    • You employ anyone in a manner that is subject to California Workers’ Compensation laws
    • Your license is qualified by a Responsible Managing Employee (RME)
    • You hold a C-39 Roofing classification

    Contractor Workers’ Comp Insurance in California, What’s Covered?

    Contractor Workers Comp Insurance in California includes the following coverage:

    • Employees and the contractor who carries the policy who get hurt or sick because of work
    • Provides basic benefits, including medical care
    • Temporary disability benefits, permanent disability benefits
    • Supplemental job displacement benefits and a return-to-work supplement
    • Death benefits

    For Contractor Workers’ Comp Insurance in California through BearStar Insurance Services, “We set direct appointments with carriers and underwriters, meaning our specialists can often return quotes in the same day for Contractor’s Workers’ Comp Insurance. On top of this, we keep premiums low with our medical disability program.”

    Leveraging over 40 years of experience, BearStar Insurance agents have a deep understanding of what California business owners need – and don’t need – when it comes to their insurance coverage. From general business and workers’ compensation to independent contractors and cybersecurity, we work with some of the best carriers in the industry to provide you with custom-fitted, comprehensive protection at the best possible price. We value the relationships we build with our clients; fill out the form above to get a quote or call us today at 949-979-5251 to speak with your local agent.

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