One Claim Could
Bankrupt Your Business.
Workers comp protects you — and it's cheaper than you think.
California contractors face $100K+ in penalties operating without workers comp. CISA shops 40+ carriers to find you the lowest rate — most policies start under $100/month.
- • $100K+ CSLB penalties
- • Personal asset liability
- • Can't bid on jobs
- • License suspension
- • CSLB compliant instantly
- • Assets fully protected
- • Bid any project
- • From $38/mo
Mon–Fri 8am–6pm PST · Avg. answer: 12 sec
What coverage do you need?
Prefer to call? (209) 400-1710 — Mon–Fri 8am–6pm PST
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Answer 8 quick questions — we shop 40+ carriers and show you real rates instantly.
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How Much Will Workers' Comp Cost?
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Protecting Your Business,
Your Workers & Your Assets
Workers' Compensation, General Liability, and Commercial Package policies built for high-hazard industries across California.
An independent agent means choices!
Choose your policy from multiple leading insurance providers.
The Hartford
Travelers
Liberty Mutual
Nationwide
Progressive
CNA
Zurich
ChubbWhat Our Customers Say
Join thousands of satisfied business owners who trust CoverForce
"CoverForce found me workers' comp coverage when three other brokers said it was impossible. Saved me $12,000 annually!"
"Fast, professional, and actually answered the phone. Got my general liability policy bound in less than 24 hours."
"They understand high-risk industries. No cookie-cutter solutions—real expertise for complex coverage needs."
Trusted by Leading Insurance Carriers
We partner with top-rated carriers to provide comprehensive coverage for high-risk industries
The Hartford
Workers Comp & Liability
Travelers
Commercial Package
Liberty Mutual
Business Owners Policy
CNA Financial
Professional Liability
Zurich
Commercial Auto
Chubb
High-Risk Industries
Licensed in All 50 States
Verified credential
A.M. Best A+ Rated Carriers
Verified credential
Admitted & Non-Admitted Markets
Verified credential
15+ Years Industry Experience
Verified credential
Real Businesses. Real Savings.
Over 200 contractors, manufacturers, and business owners across California & Arkansas trust CISA.
"CoverForce saved us over $18,000 on our workers' comp renewal. They shopped 12 carriers and had our certificates ready in under 24 hours. Best decision we've made for our business."
Industries We Cover
Purpose-built coverage for every hazard class — not generic off-the-shelf policies.
Construction Trades
All CSLB license classes covered. Workers' Comp from $12/mo, GL, tools & equipment, and CSLB bond filing — same day.
Manufacturing
Product liability, equipment breakdown, cargo, and Workers' Comp built for production floor exposure — multi-carrier market access for hard classes.
Wholesale Operations
Inland marine, cargo, and general liability bundles for high-volume distribution operations.
Restaurants & Food Service
Liquor liability, food spoilage, slip-and-fall, and employee injury coverage for hospitality businesses.
Specialty Contractors
High-hazard specialty classes that most carriers won't touch — we have direct markets and wholesale access.
Retail & Service
Business owners policies, umbrella, and commercial auto for customer-facing operations.
Coverage Built for Your Trade
CSLB-compliant, high-hazard approved, same-day binding.
Workers' Compensation
State-mandated and surplus lines Workers' Comp for high-hazard classes. Payroll-based premiums with EMR management consulting included.
- All construction trades & specialty contractors
- Manufacturing & warehouse operations
- Restaurant & hospitality workers
- EMR improvement programs
- Pay-as-you-go payroll integration
General Liability
Commercial General Liability from $1M to $10M+ limits. Blanket additional insured, primary & non-contributory, and waiver of subrogation available.
- Premises & operations coverage
- Products & completed operations
- Personal & advertising injury
- Contractor & subcontractor endorsements
- Umbrella & excess liability layers
Commercial Package
Business Owners Policies (BOP), Commercial Auto, Inland Marine, and custom multi-line packages — all structured to maximize coverage at minimum premium.
- Business owners policy (BOP)
- Commercial auto & fleet
- Inland marine & tools/equipment
- Cargo & goods in transit
- Cyber liability & data breach
Transparent Coverage, Real Rates.
Estimated starting rates across our most common policy types. Every business is unique — submit your info for an accurate quote.
Workers' Compensation
Injury & wage-replacement coverage
- Medical expenses for work injuries
- Lost-wage replacement benefits
- Employer liability protection
- All industries & class codes
- High-mod & hard-to-place OK
General Liability
Third-party injury & property damage
- Bodily injury to third parties
- Property damage you cause
- Completed operations coverage
- Additional insured endorsements
- Same-day certificate issuance
BOP / Package
GL + property bundled for savings
- General liability included
- Commercial property coverage
- Business interruption protection
- Equipment breakdown coverage
- Save vs. buying policies separately
* Rates are estimates only. Final premiums depend on your industry, payroll, claims history, and experience modification factor. All policies placed through A-rated admitted and surplus lines carriers.
(209) 400-1710Why Businesses Switch to CISA
Unlike captive agents locked into one carrier, CISA shops your risk across the entire marketplace — surplus lines, admitted markets, and specialty programs — to find the best fit, not just the easiest sale.
We Shop 40+ Carriers For You
We access wholesale markets and rates your local agent simply can't. Hard-to-place account? High EMR? That's our specialty — we find coverage others can't.
Specialists, Not Generalists
Our producers work commercial lines exclusively. We speak your language — EMR, class codes, audit risk, OSHA — and fight to lower your premium every renewal.
One Agent. No Runaround.
You get a single dedicated specialist — not a call center, not a rotation of reps. Same person answers, same person negotiates your renewal.
Quotes in Under 24 Hours
Most clients receive a fully-shopped quote within 24 hours. Same-day turnaround available for urgent certificate needs.
Common Insurance Questions
Answers straight from our licensed specialists — no jargon.
Still have questions?
Speak directly with a licensed California insurance specialist — no hold music, no call centers.
Get Your Quote in 15 Minutes.
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.