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California Contractors Workers Compensation Insurance

Workers compensation insurance is often the largest ongoing expense for most California contractors, and reducing this expense while maintaining top quality coverage is our top objective.  Regardless of your particular situation, our workers comp specialists will work with you to determine what’s driving the costs within your current workers compensation program and explore ways to bring these costs in check.  If you’re hiring employees for the first time, you came to the right place.  We’ll walk you through the process of setting up your program and advise you on best practices to employ within your business that can help keep your workers compensation expenses low for the long term.

As an experienced provider of California workers compensation insurance for contractors, Schaedler Insurance works with many types of specialties including, but not limited to the following:

General Contractors  -  Handyman  -  Pool Contractors  -  Tile & Stone

Carpenters  -  HVAC Contractors  -  Fence Contractors  -  Plumbing

Flooring Contractors  -  Janitorial Contractors  -  Roofing Contractors

Concrete Contractors  -  Highway & Road Contractors

Drywall Contractors  -  Land Surveyors  -  Remodel Contractors

Electrical Contractors  -  Landscape Contractors  -  Sign Installation

Engineers & Consultants  -  Mechanical & Electrical  -  Water Restoration

Excavation Contractors  -  Window & Siding Contractors

Fire Restoration Contractors  -  Masonry Contractors  -  Painting

Mold Remediation Contractors  -  Sewer/Underground Contractors

If you don’t see your trade listed above, give us a call and we’d be happy to explore your insurance options and answer any questions you may have.

Workers Compensation Insurance Requirements for California Contractors

All California contractors that have employees must maintain workers compensation insurance per state law.  If you do not have employees, you must file an exemption with the CSLB.  In addition, you cannot file an exemption if any of the following conditions exist:

-“You employ anyone in a manner that is subject to the workers compensation laws of California.”

-“Your license is qualified by a Responsible Managing Employee (RME).”

-“You hold a C-39 Roofing license.” (Even if you are a self employed roofer with no employees, you are still required to maintain workers compensation insurance.)

For a complete list of workers compensation requirements for California contractors, please visit the CSLB website at www.cslb.ca.gov for more information.

How California Contractors Can Reduce Workers Compensation Insurance Rates

Keeping workers compensation rates low is extremely important to most contractors.  Below are a few practices contractors should consider implementing in their business that can help keep claims at bay, and workers compensation premiums low.  Most insurance carriers use answers from the list below in determining workers compensation rates.

-Have a written safety program.

-Conduct periodic safety meetings.

-Provide safety training and safety equipment to employees and require they be used during work.

-Consider providing health insurance to employees.  Employees that have group health insurance through their employers have fewer claims.

-Conduct background and reference checks before hiring employees to identify, among other traits, high risk behavior histories that could threaten workplace safety.

-Conduct drug screenings prehire and post incident.

Contractors Workers Compensation Insurance Quotes

Getting a California contractor’s workers compensation quote is simple.  Just complete the contact field at the top of this page and a Schaedler Insurance representative will contact you shortly to answer any questions you may have and prepare your quote.  Once your quote is complete, we’ll follow up shortly to explain coverage’s and give you the option of binding coverage.  It’s that simple!  We’ll even send a copy of your insurance to the contractor’s state license board on your behalf.