California workers compensation rate comparison
What should your workers comp actually cost?
Start with California manual rates insurers filed with the Department of Insurance, then weigh the company, the coverage, the claims record, and the service behind the number.
Independent California brokerage. We answer in English and Vietnamese.
California workers compensation
What does workers comp cost for your trade?
Pick your classification, enter your payroll, and see a ballpark range plus how insurers compare on price. Then we help with the part nobody explains: which company is actually good, what coverage you need, and what you should be asking.
Want to know what you would actually pay today?
Call us and a licensed agent will pull current pricing from the insurers we work with, then tell you which ones are actually good, what coverage you need, and what to watch for. One conversation and you can get back to running your business.
Ask for a real workers comp review
Tell us about your business and a licensed member of the Done For You Insurance team will follow up. Sharing your estimate helps us get to a real number faster.
WC Rate Compare
How we price workers comp
Our licensed team uses WC Rate Compare to turn public California filed rate data into an estimated indication for your class code. Call us and we will walk you through what your workers comp should reasonably cost, and what sits behind the number.
- Enter projected annual payroll by four digit classification code.
- Apply an experience modification and schedule rating to the calculation.
- See an estimated indication range across carriers with usable filed rates.
- See when the underlying public rate data was last updated.
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Workers comp questions California owners actually ask
- How much does workers comp cost in California?
- Cost is driven by three things: your class code, your annual payroll, and your experience modification. California publishes filed manual base rates per one hundred dollars of payroll, and every insurer files its own. For the same class code and the same payroll, the filed rates on this site often differ by three times or more between the cheapest and the most expensive insurer, which is why comparing matters. Enter your class code and payroll above to see an estimated indication for roughly forty two insurers.
- What is a class code and how do I find mine?
- A class code is a four digit number describing the work your employees do, assigned in California by the WCIRB. A nail salon is 9586, a restaurant is 9079, a painting contractor is 5474. Type what your business does into the class search above and matching codes will appear, in English or Vietnamese. If two codes look close, the difference can be large, so confirm the code with a licensed agent before you rely on a number.
- Is this a quote?
- No. Every figure on this site is an estimated indication built from published California Department of Insurance filings. It is not a quote, a binder, or an offer of coverage, and it does not include the discounts, credits, or scheduled modifications you may qualify for. Only an insurer can price your policy, after underwriting. Call or text (714) 421-4658 for an exact price.
- How current is this rate data?
- The rates come from the California Department of Insurance workers compensation rate comparison workbook. The edition in use and its publication date are printed on the results panel. It is a periodic publication, so the data can be a year or more old, and insurers file changes between editions. Treat the ranking as a guide to who tends to be competitive, not as today price.
- Do I need workers comp if I only have one employee?
- In California, workers compensation is required as soon as you have even one employee, including part time employees. Sole proprietors with no employees are generally not required to carry it, though many carry it anyway because general contractors and clients ask for a certificate before they let you on a job. A licensed agent can confirm what applies to your situation.
If your situation is not on this list, call or text us. A licensed agent will walk you through it in English or Vietnamese, and there is no charge to ask.
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Tell us about your business or your family and we will shop it for you. You get a licensed independent broker who explains what you are buying, in English or Vietnamese, so you can stop thinking about insurance and get back to work.
Authorized staff access
Done For You Insurance Services is a licensed California insurance brokerage, California Insurance License #6017418. This application is called WC Rate Compare. It lets the brokerage's licensed staff compare California workers' compensation filed manual base rates across carriers by four digit classification code. It uses rate data from the California Department of Insurance to return an estimated indication range. The result is not an insurance proposal, not an offer of coverage, and not bindable. Access is limited to authorized staff, and Google sign-in is used only to verify the identity of an authorized user.
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