Medical treatment
Full treatment for a covered work injury through the state's medical provider network, with no deductible or copay to the injured employee.
The one line where your own history sets your price. We work the inputs first, then the market: class codes, payroll splits, experience modification, and open claim reserves.
Statutory in California
Every California employer with even one employee is required to carry it. There is no small-business exemption and no waiting period.
What the policy covers
The pieces, and what each one is actually for.
Benefit A
Benefit B
Temporary disability
Wage replacement while an employee cannot work, generally two thirds of average weekly wage inside the state maximum.
Benefit C
Permanent disability
Payments rated on impairment when an injury leaves lasting effects after the condition stabilizes.
Benefit D
Death and burial
Statutory benefits to dependents plus burial expense.
Coverage B
Employers liability
Defense and damages for injury suits that fall outside the exclusive remedy, including third party over actions.
Endorsement
Alternative dispute resolution
Available on some union programs. Carve-outs can materially change how disputes resolve.
Read this part
Where the premium actually comes from
Four inputs drive the number. Three of them you can influence before renewal, and most brokers never touch them.
- Class code assignment. One misapplied code on a clerical or outside sales split can move a program by double digits.
- Payroll allocation. Overtime is reported at straight time in California. Reporting gross pays the carrier extra every month.
- Experience modification. Your x-mod is built from three years of reported losses, and reserve inflation on open claims is the quietest driver of a bad mod.
- Open claim reserves. A stale reserve on a claim that resolved two years ago is still rating against you until someone challenges it.
What we do before we market it
Work the inputs before working the market.
Step 01
Audit the codes
We pull your last two audits and the WCIRB classification, then compare what you are actually reporting against what the work looks like.
Step 02
Read the mod worksheet
We recalculate the x-mod from the WCIRB worksheet and identify claims where the reserve is overstated or the claim should have closed.
Step 03
Work the open claims
We coordinate with the carrier or TPA on reserves that no longer match the medical, ahead of the unit statistical reporting date.
Step 04
Then we go to market
A clean submission with a corrected exposure base and a mod story gets underwriter attention. A raw ACORD 130 does not.
Classes we place regularly
Nonprofit and social servicesHuman services 8868Contractors 5183 / 5474 / 5645Trucking 7219ManufacturingRestaurants 9079Retail 8017Clerical 8810Landscaping 0042StaffingHome health 8829Auto service 8380
Not on the list is not the same as not placeable. Ask.
Questions we get
Straight answers.
Can you write my policy if I have an open claim or a mod over 125?
Usually yes. Loss sensitive accounts and high mod accounts need a different set of markets than a clean small business, and they need a narrative that explains what changed. We write to the underwriter, not to the rating engine.
What is the difference between State Fund and a private carrier?
State Fund is the market of last resort and will write nearly anyone, which is valuable if your class or history is difficult. Private carriers frequently price better on clean accounts and add loss control, nurse triage, and return to work support that State Fund does not match.
How far ahead of renewal should we start?
Ninety days. Sixty is workable. Anything inside thirty and you are accepting whatever the incumbent puts in front of you, which is exactly the position a carrier prices for.
Do owners and officers have to be covered?
California allows certain officers and LLC members to exclude themselves by written waiver, subject to ownership thresholds. Excluding an officer who is regularly on a jobsite is usually a false economy.
Next step
Send us the submission
Loss runs, current declarations, and five minutes of context. You will hear back the same business day with what we can do and which markets we are approaching.