Coverage That Keeps You Covered, and Compliant
California law mandates workers’ comp coverage for all employees, even part-time. Whether you run a small team or a growing company, we help you stay compliant, control costs, and keep your employees protected if injuries happen on the job. We services all sectors including construction, restaurants, retail, manufacturing, medical, professional services.
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What Workers' Comp Can Cover
Medical Expenses
Covers treatment for work-related injuries or illnesses
Lost Wages
Pays a portion of wages while the employee recovers
Disability Benefits
Short- or long-term support for more serious cases
Return-to-Work Assistance
Helps get employees back safely and productively
Employer Liability Protection
Shields your business from certain legal claims
Death Benefits
Provides financial support to an employee’s family in the event of a work-related fatality
Ready to Protect Your Future?
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We have answers.
Is Workers’ Comp insurance required in California?
Yes. California law requires all employers — even those with just one part-time employee — to carry workers’ compensation insurance. It’s mandatory, not optional.
What happens if I don’t have Workers’ Comp coverage?
You could face serious penalties, including fines up to $100,000, business closure orders, and personal liability for employee injuries. It’s one of the most enforced labor laws in the state.
Who does Workers’ Comp insurance cover?
It covers all employees — full-time, part-time, seasonal, and temporary. Independent contractors typically aren’t covered, but misclassification is heavily scrutinized in California.
How are premiums calculated?
Premiums are based on your industry classification, total payroll, claims history, and safety record. Prime works with top carriers to help you find competitive rates and the right fit.
What does a Workers’ Comp policy actually cover?
It covers medical care, lost wages, disability benefits, legal liability, return-to-work programs, and death benefits related to workplace injuries or illnesses.
Coverage Built Around You
At Prime Insurance Services, we don’t just sell policies, we build protection around your life. With access to a trusted network of top-tier carriers, we help you find the right coverage at the right price for your car, home, health, business, life, and more. Whether you're starting fresh or switching over, Prime Insurance Services makes it simple to protect what matters most.
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Personalized Service
Our agents work closely with you to find the best coverage options tailored to your specific needs.
Reliable Support
Our customer care team is here whenever you need clarity, answers, or help managing your policy.
Competitive Rates
We partner with top-rated carriers to provide you with affordable and reliable insurance solutions.
Quick & Easy Quotes
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