Workers' Compensation Insurance for California Contractors
Workers' Compensation Insurance helps take care of your employees if they get hurt or sick on the job. It helps pay for medical bills, recovery, and part of their lost wages—while also protecting your business from costly lawsuits.
Protect Your Employees. Protect Your Business. Keep Your Projects Moving.
Whether you're a general contractor, specialty contractor, or skilled trade professional, your employees are an important part of your business.
Workers' Compensation Insurance helps provide medical care, wage replacement, and other benefits when an employee suffers a covered work-related injury or illness—while helping protect your business from the financial impact of workplace accidents.
EveryTrade Insurance specializes in helping California contractors across CSLB license classifications find Workers' Compensation coverage suited to their operations.
What Is Workers' Compensation Insurance?
Workers' Compensation Insurance provides benefits to employees who are injured or become ill because of their work.
Contractors face a wide variety of workplace exposures. An injury could happen while an employee is operating equipment, using tools, installing materials, working at a customer's property, driving between job sites, performing service work, or completing a construction project.
The right Workers' Compensation policy helps protect both your employees and your business.
What Does Workers' Compensation Cover?
Medical Expenses
Coverage can help pay for necessary medical treatment resulting from a covered workplace injury or illness, including doctor visits, hospital care, surgery, prescriptions, physical therapy, and rehabilitation.
Lost Wages
If an employee is unable to work while recovering from a covered injury, Workers' Compensation may provide partial wage replacement, subject to applicable laws and requirements.
Temporary or Permanent Disability
Benefits may be available when a workplace injury or occupational illness causes a temporary or permanent disability that affects an employee's ability to work.
Rehabilitation & Return-to-Work Benefits
Workers' Compensation may provide rehabilitation and other benefits designed to help injured employees recover and return to work when appropriate.
Death Benefits
If an employee dies as a result of a covered workplace injury or occupational illness, benefits may be available to eligible dependents.
Employer's Liability
Workers' Compensation policies generally include Employer's Liability coverage, which may help protect the employer against certain employee injury-related lawsuits outside the traditional Workers' Compensation benefits system.
Workers' Compensation Built for California Contractors
Different trades have different risks.
A roofing contractor doesn't have the same exposures as an electrical contractor. A concrete contractor operates differently from a landscaping contractor. A general contractor managing multiple projects has different insurance considerations than a specialty contractor performing one specific trade.
That's why EveryTrade takes into consideration factors such as:
CSLB license classification
Type of work performed
Employee payroll
Employee classifications
Number of employees
Claims history
Experience Modification Rating (EMR)
Subcontractor exposure
Safety practices
Project types and operations
Our goal is to help you find coverage that reflects how your contracting business actually operates.
Serving Contractors Across CSLB Classifications
EveryTrade Insurance works with contractors across a broad range of California license classifications and specialty trades, including:
General Building Contractors
General Engineering Contractors
Electrical Contractors
Plumbing Contractors
HVAC Contractors
Roofing Contractors
Concrete Contractors
Landscaping Contractors
Painting & Decorating Contractors
Carpentry Contractors
Flooring Contractors
Masonry Contractors
Solar Contractors
Fire Protection Contractors
Sheet Metal Contractors
Excavation & Earthwork Contractors
Fencing Contractors
Tile & Stone Contractors
Glazing Contractors
Insulation Contractors
Demolition Contractors
Remodeling Contractors
And many other licensed specialty trades
Don't see your trade listed? Contact us.
EveryTrade can help determine available Workers' Compensation options based on your specific CSLB classification and business operations.
Why Contractors Choose EveryTrade Insurance
We're focused on the insurance needs of contractors and trade businesses.
Whether you're a newly licensed contractor, an established specialty contractor, or a growing company with multiple crews, we'll help you understand your coverage options and insurance requirements.
One trade or multiple classifications. One employee or multiple crews. EveryTrade is built for contractors.
Get a Workers' Compensation Quote
Tell us your CSLB classification, payroll, number of employees, and type of work, and we'll help you explore Workers' Compensation options for your business.
A painter falls off a ladder while working on a ceiling and breaks a leg. His workers’ compensation policy pays for the ambulance ride to the hospital, surgery, medications, and physical rehabilitation.
Solution
When an accident happens at a workplace, workers’ compensation covers the cost of immediate care, such as an ambulance ride or an emergency room visit. It also helps pay for surgical procedures, medications, hospital stays, and ongoing care.
Compensation for fatal injuries coverage
Risk Factors
An electrician accidentally touches a live wire, goes into cardiac arrest, and dies. The electrical company’s workers’ comp policy covers the cost of the funeral and burial. It also provides financial support to the electrician’s spouse and children.
Solution
When a work-related incident is fatal, workers’ compensation pays death benefits that cover funeral expenses and help support the deceased individual’s family.
Lawsuit coverage
Risk Factors
A chef in a restaurant suffers third-degree burns while trying to put out a grease fire. She blames the restaurant for failing to provide a fire extinguisher and adequate safety training. The case goes to court; the restaurant's workers' comp policy pays for the cost of hiring a lawyer and the eventual settlement.
Solution
Workers' compensation insurance typically includes employers' liability insurance. This policy protects the employer from a lawsuit claiming a worker was injured by the employer's negligence. If an employee sues, it can help pay for the attorney's fees, court costs, settlements, or judgments.
Lost income coverage
Risk Factors
An HVAC installer accidentally lowers an air-conditioner unit on his foot and breaks several bones. The installer has to stay off his feet for a month, which prevents him from working. The installation company’s workers’ comp policy pays part of the wages that would have been earned during the month of missed work.
Solution
A serious injury can prevent an employee from returning to work for days, weeks, or even months. Workers’ compensation often pays for part of the wages lost while an employee is recovering from a workplace injury or occupational illness.
Rehabilitation coverage
Risk Factors
Your disabled employee may also receive a Transferable Skills Analysis. This helps find other roles for them where they can learn new skills and work with their disability.
Solution
Workers’ comp can help cover your employee’s ongoing care. This includes ongoing physical therapy or vocational rehabilitation to help them learn new skills to return to work in a different role. Workers’ comp can even help cover any further training and certifications.
