California requires workers' compensation the moment you put one employee on payroll. We shop comp across carriers for San Jose and Bay Area employers, help with class codes and X-Mod, and keep you compliant without overpaying. Bilingual agents.
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No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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In California, workers' compensation is not optional. Under Labor Code section 3700, the moment you have even one employee you are required to carry workers' comp — there is no small-business exemption the way there is in some other states. Going without it is one of the most expensive mistakes a Bay Area employer can make: the state can issue stop-work orders and penalties, and a single injury without coverage can come straight out of the business. We make sure San Jose and Bay Area employers are covered correctly from the first hire.
Workers' comp pays an injured employee's medical treatment and a portion of lost wages, and in exchange it generally protects you from being sued directly for that injury. What you pay is driven by your payroll, your class codes (the job classifications that describe the work your employees do), and your experience modification — the X-Mod that rewards a clean claims history. As an independent broker we shop comp across carriers and make sure your class codes are right, because a misclassified payroll is one of the most common reasons businesses overpay.
California requires workers' comp for any business with employees — even one. No coverage means stop-work orders and penalties.
Covers an injured employee's medical care and a portion of their lost income while they recover.
In exchange for coverage, workers' comp generally shields you from being sued directly for a covered workplace injury.
Premium depends on the job classifications you report. We make sure yours are right so you are not overpaying.
Your experience modifier reflects your claims history. We review it so a clean record actually lowers your cost.
Comp policies are audited on actual payroll. We help you prepare so there are no surprise bills at year-end.
The businesses that need workers' comp most across San Jose and the Bay Area are the ones with people doing physical work: construction trades and contractors, restaurants and their kitchen staff, landscaping and gardening crews, cleaning and janitorial companies, auto shops, and warehouses. These are exactly the industries where a misclassified payroll or a bad X-Mod quietly inflates the premium — and where a clean program, priced right, makes a real difference to the bottom line.
Comp also moves with California law. Rules and rates change, and what your business paid two years ago may not reflect your current payroll or claims history. Because we are independent, we are not locked into one carrier's pricing — we can re-shop your comp at renewal and across the market instead of letting it drift up year after year. For the many bilingual employers in this region, we handle the whole program, including the audit, in Spanish or English.
Our San Jose office at 25 N. 14th St. on the East Side handles workers' comp for employers across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and we serve Marin employers through our San Rafael office. We set up your policy with the correct class codes, review your X-Mod, and — just as important — we are here when the audit comes, because comp is audited on your real payroll and that is where employers without help get surprised.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, so a contractor, restaurant owner, or landscaper who runs their business in Spanish can understand exactly what their comp covers and what their audit will look like.
Walk in or call — we'll set up comp with the right class codes and shop it across carriers.