Workers' compensation insurance is required for most California and Arkansas employers — and one serious injury can cost six figures without it. CISA places workers' comp for every trade, including high-hazard and high-EMR accounts other brokers decline, through 40+ A-rated carriers. Get a bindable quote in 15 minutes.
Workers' compensation pays for employee injuries and protects your business from injury lawsuits. It's the core of any business insurance program with employees.
Covers all reasonable medical treatment for a work-related injury — emergency care, surgery, hospital stays, physical therapy, and prescriptions — with no employee deductible or co-pay.
Replaces lost wages for an injured worker — temporary total disability while they heal, permanent partial disability for lasting impairment, and permanent total disability for catastrophic injuries.
Covers your legal defense and settlement if an injured employee sues, alleging negligence beyond the workers' comp claim itself — an essential protection for the business.
Pays for retraining and job placement when an injured employee can't return to their previous role, helping them re-enter the workforce.
Provides income replacement and burial expenses to the dependents of an employee killed in a work-related incident.
Satisfies your mandatory employer obligation under California Labor Code §3700 and Arkansas workers' comp law — protecting your business from stop-work orders, fines, and criminal charges.
From clerical offices to high-hazard roofing (C-39), we write workers' comp for every NCCI and California class code — including hard-to-place trades that standard carriers decline.
We help you understand and improve your experience modification factor, and we know exactly which carriers accept elevated mods — so a high EMR never locks you out of coverage.
We manage your year-end payroll audit to prevent surprises, and we re-shop your renewal every year across 40+ carriers so your premium stays competitive as your business grows.
Workers' compensation insurance pays for medical care, wage replacement, and rehabilitation for employees injured on the job, and provides death benefits to dependents if a worker is killed. In return, it generally prevents the employee from suing the employer for the injury. It's legally required for most employers in California and Arkansas.
Workers' comp premium is calculated as (payroll ÷ 100) × your class code rate, then adjusted by your experience modification factor (EMR). High-hazard class codes cost more than low-hazard ones, and a poor claims history raises your EMR — which raises your premium. CISA shops 40+ carriers for the best rate on your specific class and EMR.
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 Fund (SCIF), and specialty E&S carriers that place high-EMR and previously declined accounts every day.
Sole proprietors with no employees generally aren't required to carry workers' comp, but you may want to opt in for your own protection. The moment you hire W-2 employees — even one part-time worker — the coverage requirement applies. We can advise on your specific situation.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
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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