The last insurance broker you'll ever need.
Save 10% to 15% on your California workers comp premium.
California requires workers comp from your first employee, and it is priced under its own rating rules. Aiden Risk reviews your class codes, payroll and experience mod against those rules, then re-shops the policy across 100+ carriers.
- 100+ Carriers
- 140+ Risk Signals
- Response Within Minutes
Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.
Prefer to talk? Call (650) 292-2812
What drives California workers comp premium
California sets its own class codes and experience rating through the WCIRB, and carriers file their own rates. Each piece can be wrong, and prices vary widely between carriers.
WCIRB class codes
California uses its own classification system, not the NCCI codes most other states use. Payroll filed under the wrong code, or a code carried over from another state, is one of the most common reasons employers overpay.
Wage-based construction classes
Many California construction classes are split by hourly wage, and employees paid above the threshold fall into a lower-rated class. Your payroll records have to show it, or the carrier bills the higher rate.
Your California experience mod
The WCIRB calculates your mod with its own formula. We check it for errors and show which claims are still driving it.
Carriers price differently
California carriers file their own rates rather than using one state price, so the same payroll can be quoted very differently. Quoting 100+ markets finds the ones currently pricing your work well.
What California workers comp covers
Medical care
Treatment for employees hurt on the job, from a kitchen burn to a fall on a job site.
Lost wages
Temporary and permanent disability payments while an injured employee recovers or cannot return to the same work.
Employer's liability
Defense and damages if an employee sues you over a workplace injury.
Your premium, re-shopped in three steps
Send us your current policy
Share your declarations page or tell us what you pay today. That is the benchmark every quote is measured against.
We re-shop it across 100+ carriers
A licensed specialist corrects the rating details and takes the submission to the carriers currently writing your line.
Compare, then decide
You see real quotes side by side with your current premium. Switch only if the numbers and the cover are better.
California Workers Compensation questions, answered
Do I need workers comp in California if I have one employee?
Yes. California requires every employer with even one employee, full or part time, to carry workers compensation or be approved to self-insure. Operating without it can bring a stop order that halts work, state penalties, and lawsuits from injured employees.
Is State Fund my only option in California?
No. State Compensation Insurance Fund competes with private carriers in California, so you can buy workers comp from either. Comparing both is often where the savings are.
Do California contractors need workers comp to keep their license?
Licensed contractors with employees must keep a workers comp certificate on file with the CSLB, and some trades, such as roofing, must carry it even with no employees. A lapse in coverage can suspend the license, so the policy and certificate have to stay current.
Is Aiden Risk licensed in California?
Yes. Aiden Risk holds a California property and casualty producer license, number 6018866, and is licensed in 16 states in total. You can see every license on our licenses page.
See our California license and the 16 states we cover.
Free toolWill your COI get rejected?Answer a few questions and see the Additional Insured, waiver, limit and liquor liability gaps that get certificates bounced by GCs, landlords and venues.Get your California workers comp priced on the work you actually do.
Aiden Risk re-shops California workers comp across 100+ carriers, with a licensed specialist on every account.
Prefer to talk? Call (650) 292-2812
Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.