Do California businesses need workers compensation insurance?

Most California businesses with employees need workers compensation coverage. Rating and eligibility depend on payroll, class codes, ownership, prior coverage, and underwriting details.

What information is needed for a California workers comp quote?

A quote usually needs the business legal name, FEIN, address, class codes, payroll, ownership information, prior carrier history, and desired effective date.

California workers compensation insurance

Workers comp quotes for California businesses.

Submit one workers compensation application with payroll, class codes, ownership, and prior coverage details. Eligible California accounts can compare available carrier options, pay online, and request certificates.

Solution One Insurance Services | California license 0C86753 | 916-864-1321

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Quote readiness

What carriers usually need before they can quote.

Class codes and payroll

California workers comp pricing depends heavily on WCIRB class codes, annual payroll, employee count, and whether dual wage classifications apply.

Owners and entity type

Corporations, LLCs, sole proprietors, and partnerships can have different ownership and exclusion questions. Clean ownership details help avoid delays.

Prior coverage

Carriers may review current carrier, expiration date, policy number, losses, cancellations, and experience modification before offering terms.

Electricians, plumbers, and HVAC

Trade-specific preparation guides explain heights, excavation, rooftop work, payroll, and other underwriting details.

Browse electrician guide

Restaurants

Prepare employee count, payroll, kitchen, delivery, claim, and prior coverage details.

View restaurant guide

Janitorial and cleaning

Explain job types, heights, driving, chemicals, crews, and subcontractors accurately.

View janitorial guide

California appetite

Built for contractors, service businesses, restaurants, offices, retail, and more.

Some submissions can return fast quote options. Others need underwriter review. Either way, the goal is to collect a complete application once and move the account toward a usable proposal.

Start the applicationEnter legal name, FEIN, contact information, address, and effective date.
Add payroll and class codesUse the best available class information so the quote is not delayed by missing rating data.
Review owners and historyOwnership, prior carrier, loss history, and underwriting details help carriers decide eligibility.
Compare available optionsEligible accounts can receive proposals, payment options, and certificate support.

Focused quote pages by industry.

Contractor workers comp

Coverage requests for general contractors, trades, construction, repair, and installation businesses.

View contractor page

Landscaping workers comp

Workers compensation quote review for landscaping, gardening, maintenance, and outdoor service operations.

View landscaping page

Online application

Ready to start? Complete the workers compensation application and send it for review.

Start application