California Workers’ Compensation Insurance

Workers’ Compensation Insurance for
California Employers

What is Workers’ Compensation Insurance?

Aside from workers’ compensation insurance being required by California law, this coverage serves two purposes.

  1. It protects employers from lawsuits arisen by workers that have been injured on the job.
  2. It assures that injured workers are compensated for medical care and income they’ve lost while they’re unable to work.

Workers’ compensation insurance protects your employees, and fulfills your statutory and legal obligations.

Who Needs Workers’ Compensation Insurance?

All employers with three or more employees are required to carry workers’ compensation insurance for all of their employees. This also includes minors and undocumented workers.

What Does a Workers’ Compensation Insurance Policy Typically Cover?

Workers’ compensation insurance protects your employees, and fulfills your statutory and legal obligations.

Workers’ compensation insurance covers injuries or illnesses in situations such as:

  • A supplier, manufacturer, or contractor employee is injured while lifting heavy equipment.
  • An employee is injured after slipping and falling on a wet floor at work.
  • An employee is injured in a fire or explosion at work.
  • A chemist becomes ill due to the chemicals they’re exposed to in their daily work.
  • A driver is injured while making deliveries for their employer.
  • An employee is a factory or office suffers repetitive motion injury to their arm, hand, or wrists.
  • A roofer’s employee falls from a roof.

Workers compensation coverage provides:

  • Weekly payments to compensate for loss of wages.
  • At least partial compensation for an employee’s related financial loses.
  • Payment or reimbursement of employee’s medical bills.
  • Benefits payable to the dependents of an employee killed on the job or while performing job duties.
  • Protection for your business and financial assets.

Our Process


Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right workers’ compensation insurance policy for your business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.


Get Quotes from the Country’s
Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need workers’ compensation insurance, business liability insurance, business interruption insurance, business umbrella insurance, or errors and omissions insurance to comply with state laws, you can find it here.

We’ve already helped hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go Information

Top 5 Industries Where Employees Face High Risk of Injury
  • Manufacturing
  • Transportation
  • Animal Production
  • Nursing and residential care
  • Couriers and messengers
Real Talk About Workers’ Compensation Insurance

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