Declined by your last carrier? High experience mod? We specialize in placing California workers' compensation for hard-to-insure businesses — roofing, construction, trucking, and more — through 40+ admitted and surplus lines markets. Get a bindable quote in 15 minutes.
We write Workers' Comp for virtually every California business class — especially the high-hazard accounts other brokers won't touch.
We shop 40+ admitted carriers, E&S surplus lines markets, and the California State Fund simultaneously — so you get the most competitive rate, not just the first carrier who'll take you.
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.
Most clients receive a bindable quote within 15 minutes. Certificates of Insurance — including additional insured endorsements — issued the same day you bind.
Yes — and the penalties for going without are severe. California Labor Code §3700 requires every employer with one or more employees to carry Workers' Comp. Non-compliance can result in criminal charges, stop-work orders, and fines up to $100,000. Don't risk it.
It depends on your industry class code, annual payroll, and experience mod (EMR). High-hazard trades like roofing typically run $8–$20 per $100 of payroll, while lower-risk classes pay far less. CISA shops 40+ admitted and surplus lines markets to find you the most competitive rate — most clients save 15–30% vs. going direct.
Absolutely. Being declined by a standard carrier doesn't mean you're uninsurable — it means you need a specialist. CISA has direct access to surplus lines markets, the California State Compensation Insurance Fund (SCIF), and specialty E&S carriers that standard brokers can't place. We specialize in high-EMR, high-hazard, and previously declined accounts.
Most accounts receive a bindable quote within 15 minutes of submitting their info. Need a certificate immediately? Call (209) 400-1710 and we'll have you covered in under an hour.
CISA is licensed to place commercial insurance across all of California. Whether you're in a major metro or a smaller market, we have carriers and programs built for your area.
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.