Workers' Comp by Industry
California workers' compensation coverage tailored to the hazards, class codes, and claims patterns of your industry. Each page covers exposures, classification, payroll, claims, experience modification, and how to get a quote.
Construction
California construction businesses face elevated workplace injury risk from heights, heavy equipment, and moving materials, so workers' compensation is both legally required and critical to protect the company. Coverage is priced by class code and payroll, adjusted for claims history and experience modification, and specialty programs exist for high-hazard construction accounts.
Read the guideRoofing
Roofing is among the highest-hazard trades in California, with serious fall and heat-exposure risks that make workers' compensation essential and often expensive. Coverage is rated on a dedicated roofing class code, adjusted heavily by claims history and experience modification, and may require specialty carriers for accounts with prior losses.
Read the guideElectrical Contractors
California electrical contractors face shock, burn, and fall hazards that drive workers' compensation cost and underwriting scrutiny. Coverage is rated on an electrical class code by payroll, adjusted for claims history and experience modification, and generally more available than higher-hazard trades—though prior losses can still limit options.
Read the guidePlumbing
California plumbers face lifting, slip, and confined-space hazards that drive workers' compensation claims, though generally at lower severity than roofing or framing. Coverage is rated on plumbing class codes by payroll and adjusted for claims history and experience modification.
Read the guideTrucking
California trucking companies face serious injury exposure from highway accidents, loading, and long-haul fatigue, making workers' compensation essential and often complex. Coverage is rated on trucking class codes by payroll, adjusted for claims history and experience modification, and may require specialty carriers for accounts with poor loss history.
Read the guide