Need work comp — fast? CISA places workers' comp insurance for California and Arkansas businesses through 40+ admitted and surplus lines carriers, including high-EMR and previously declined accounts. Get a bindable work comp quote in 15 minutes and a certificate the same day.
Work comp insurance pays for workplace injuries and protects your business from employee injury lawsuits — and in California and Arkansas, it's required by law for most employers.
Pays 100% of medical costs for an injured worker — emergency care, surgery, physical therapy, and prescriptions — with no deductible and no co-pay for the employee.
Replaces a portion of an injured employee's lost wages while they recover — temporary disability, permanent disability, and impairment benefits, depending on the injury.
Satisfies your legal obligation as an employer. California requires work comp for every employer with one or more employees; Arkansas requires it for employers with three or more.
Protects your business if an employee sues over an injury. Covers legal defense and settlements beyond the standard workers' comp benefits.
Pays for vocational rehabilitation and retraining when an injured worker can't return to their previous job — helping them re-enter the workforce.
Provides financial support to the dependents of an employee killed on the job — including burial expenses and ongoing income replacement.
Experience mods above 1.0, 1.5, even 2.0 — we know exactly which carriers accept elevated mods and how to present your account to get approved fast, not just the carrier of last resort.
We shop admitted carriers, E&S surplus lines markets, and the state fund simultaneously — so you get the most competitive work comp rate, not just the first carrier who'll take you.
We offer pay-as-you-go work comp that ties your premium to actual payroll each cycle — eliminating big year-end audit bills and smoothing your cash flow.
In California, every employer with one or more employees must carry workers' comp — including part-time and seasonal workers. In Arkansas, employers with three or more employees must carry it. Sole owners without employees may opt out, but anyone with W-2 employees must comply or face severe penalties.
Work comp is priced per $100 of payroll and varies by industry class code, payroll, and your experience mod (EMR). Lower-hazard offices may pay under $1 per $100; high-hazard trades like roofing can run $8–$20. CISA shops 40+ carriers to find the lowest rate for your class.
Yes. A high EMR doesn't mean you're uninsurable — it means you need a specialist. We regularly place work comp for businesses with EMRs above 1.5 through surplus lines markets and the state fund that standard carriers won't quote.
Most accounts receive a bindable work comp quote within 15 minutes during business hours, and certificates of insurance are issued the same day you bind — faster on request for new contracts or compliance deadlines.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
Protect your crew and stay compliant with California labor laws.
Cover bodily injury, property damage, and advertising injury claims.
Built for licensed trades — GL, WC, tools, and bonds bundled.
Guides on compliance, cost reduction, and claims management.
Looking for something specific? Browse all coverage options or call (209) 400-1710
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