As a California employer you are required under California Labor Code Section 3700 to provide Workers Compensation benefits for your employees.

When an employee suffers a work related injury or illness, Workers Compensation insurance steps in to provide benefits based on the type of illness or injury sustained. Workers Compensation is based on a no-fault system, which means that an injured employee does not need to prove that the injury or illness was someone else's fault in order to receive workers compensation benefits for an on-the-job injury or illness.

Classification and Rating
Classification of workers compensation insurance is based upon the specific duties that your employees perform in the course of their employment with your company. These classifications are developed and assigned by the Workers Compensation Insurance Rating Bureau (WCIRB) Each classification is assigned a specific rate by the insurance company, which helps determine the overall premium for your policy.

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