California law requires most employers with one or more employees to carry workers' compensation insurance, even if the employee works part-time.
Workers' compensation is a no-fault system, meaning employees can receive benefits for workplace injuries regardless of who was at fault.
Employees injured on the job are entitled to medical treatment, temporary disability benefits, permanent disability benefits, and vocational rehabilitation if needed.
Employers who fail to carry workers' comp insurance may face significant fines, penalties, and even criminal charges.
Insurance premiums can vary based on the type of business, the industry’s risk level, and the company's claims history. High-risk industries and frequent claims can lead to higher premiums.