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Workers Comp Insurance

Workers Comp Insurance

Workers' compensation (workers' comp) is required so the rates and carriers are all the same right?

Wrong! Choosing the wrong work comp carrier can cost you not only in real dollars (premiums) today, but can definitely affect your future rates and premiums.

Most businesses are mandated to carry Workers Compensation insurance, but that’s where the similarity stops. You may be entitled to rate discounts on work comp insurance, such as loss experience, safety programs, and more. We even have carriers that have developed safety groups for small employers to group together and save!

In addition we work with carriers that specialize in workers compensation insurance. Why? Having the experience and knowing the right way to help your business in loss prevention and more importantly at the time of loss is just as important as the rate you pay today, as it will affect your rate for years to come.

We can provide you with free low cost work comp quotes. Just contact us or complete our on-line form and we’ll get back with you. You’ll be surprised at how much you can save.

Types of Comp Insurance

There are several plans available including based on your size, “participating” plans that may refund / provide dividends. Are you self employed or just a small business? No problem. We have affordable workers comp insurance plans to fit all type of businesses. In fact California, like many other states have a State Compensation fund whose mandate is to provide competitive insurance for all businesses. In fact State Fund insures one in four businesses in California and has some incredible safety groups. Not taking advantage? Contact usand let us help.

Combining Health Insurance & Work Comp

Ever wonder that these “overlap”? They often do, so why not combine your Workers Compensation and Group Insurance into one carrier and get a substantial discount? Can we do this? You bet! Call us for more information!


In California carriers must file a base rate but rates for work comp can vary widely based on your industry, your size, your history, and what you’ve done to prevent losses. We know how to package and assist you in getting the low work comp rates and high quality carrier you deserve. Call us today and let us assist you.

In California rates and modifications are governed by the WCIRB (workers compensation insurance rating bureau). And the administration of workers comp is handled by the Division of Workers’ Compensation (DWC) is a great resource which also monitors the administration of workers’ compensation claims, and provides administrative and judicial services to assist in resolving disputes that arise in connection with claims for workers’ compensation benefits.

Our offices are conveniently located at:

1622 S. Gaffey #104
San Pedro, CA 90731

3220 Sepulveda Blvd #202
Torrance, CA 90505