Why most employers need coverage, what it pays for, and how to stay compliant.
California law generally requires employers to carry workers compensation insurance — even with one part-time employee. It covers medical care and partial wage replacement when workers are injured on the job, and it protects employers from many lawsuits by injured employees.
Premiums depend on payroll, industry class codes, and claims history. Misclassifying employees or using outdated payroll figures can trigger audits and penalties.
Pledge Insurance helps businesses place workers comp with competitive carriers and reviews classifications at renewal. If you are hiring, expanding, or switching from a PEO, contact us before your next policy period.