Workers' Compensation

Workers’ compensation insurance is crucial because it protects both your employees and your business when workplace injuries happen, helping cover medical care, lost wages, and required benefits. It also reduces your risk of costly lawsuits, out-of-pocket expenses, and compliance issues, so one accident doesn’t turn into a major financial setback.

Workers’ compensation is our forte at Bollinsure, and we bring unmatched experience and market access to every policy we place. With access to ISU and Steadfast, we can offer powerful options, including Lloyd’s of London solutions, so our clients aren’t limited to just one path. We’ve worked with many of our carrier partners for over five decades, building relationships that go beyond transactions and translate into stronger support, smarter placement, and better outcomes for insureds.

Workers’ compensation insurance helps cover medical treatment, lost wages, disability benefits, and return-to-work support when an employee is injured or becomes ill due to their job. In California, coverage is generally required for employers and includes benefits like Temporary Disability, Permanent Disability, Supplemental Job Displacement (voucher), and Death Benefits, while also providing employer liability protection by limiting lawsuits for workplace injuries. The key is making sure your policy is written correctly, class codes, payroll, experience mod, and all.

In California, Workers’ Compensation insurance is required for most employers as soon as you hire even one employee, and the state takes compliance seriously with penalties for being uninsured. Coverage is designed to protect both the employee and the employer by providing mandated benefits for work-related injuries while limiting employer liability. That’s why having it set up correctly from day one is crucial.