California requires it — we make it make sense
If you have employees in California, workers’ compensation isn’t optional — it’s the law, and going without it carries serious penalties. It covers medical care and lost wages when a worker is hurt on the job, and protects you from being sued directly for that injury. Insurance City is a local independent brokerage in Stockton, and we place workers’ comp for Central Valley employers across construction, ag, hospitality, and more.
What workers’ comp covers
- Medical treatment for a work-related injury or illness — from emergency care through rehabilitation.
- Wage replacement — a portion of lost earnings while an injured employee recovers.
- Permanent disability benefits — when an injury causes lasting impairment.
- Vocational rehabilitation — when a worker must change occupations.
- Death benefits — paid to a worker’s dependents.
- Employer’s liability — protection against related lawsuits.
Why employers work with us
Comp rates ride on your class codes and payroll, and getting the classification right matters — misclassification costs you. We’re independent, so we shop your payroll across major commercial carriers instead of one company’s appetite, help you classify correctly, and there are no broker fees on standard policies. Our team is bilingual (English / Español) and local — which matters in a Central Valley workforce that often is too.
Get a workers’ comp quote
Tell us your business, your payroll, and your employee roles, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.
New to commercial coverage? See our Central Valley Business Insurance Guide for how the coverages fit together.
Frequently Asked Questions
Is workers' comp required in California?
Yes — California requires it the moment you have even one employee, and some license types require it with none. Going without it carries serious penalties.
What does workers' compensation cover?
Medical care for a work-related injury or illness, partial wage replacement, permanent disability, vocational rehabilitation, death benefits, and employer's liability protection.
How is my workers' comp premium calculated?
It is based on your payroll and class codes — and getting the classification right matters, because misclassification costs you. We help classify correctly and shop your payroll across carriers.
Insurance City offers comparative quotes on Workers’ Compensation Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you Just request a quote to find out.