Workers' Compensation Insurance for California Contractors
If you have employees in California, workers' compensation is mandatory. We connect contractors with a licensed insurance partner to get covered and stay compliant.
What it is
Workers' compensation covers medical costs and lost wages when an employee is hurt on the job. In California it is legally required the moment you have employees, and contractors face specific rules tied to their license. It protects your workers and shields your business from the cost of a workplace injury.
Who needs it
- Any California contractor with one or more employees (it is mandatory)
- Contractors adding their first W-2 employee
- Businesses a GC or client requires to show a workers' comp certificate
- Contractors who need coverage in place to keep a license active
MM Bonding & Insurance Services connects California contractors with a licensed insurance partner. We are not the insurer, this is not an offer of coverage, and submitting the form does not bind any policy. Your partner agent will follow up with options.
Not sure how this differs from your bond? Read bonding vs. insurance. Need a bond instead? Start with the contractor license bond.