THE DETAILS THAT MATTER
Your crew. Your payroll. Your license.
Describe each employee’s duties and separate payroll records where the classification rules allow. CSLB license classifications and workers’ comp payroll class codes are different systems.
Review owner and officer treatment, subcontractors, prior losses and any experience modification before choosing a program.
California employers must carry workers’ compensation. Some contractor license classifications also require coverage without employees; check the current CSLB requirements for your situation.
Read the coverage boundaries.
Workers’ compensation does not replace general liability, commercial auto or tools coverage. Owner inclusion and exclusion are subject to eligibility and policy terms.
A common question
Coverage reference: CSLB Official Guidance. Reviewed October 10, 2026. Confirm current requirements and the actual policy terms.
Jesse Denno · CA insurance license #4503208 · Updated October 10, 2026