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OUR WORKERS COMPENSATION PROGRAM
We make shopping for Workers Compensation as easy as possible. We can get you the coverage regardless of your current insurance history.
Coverage available for business:
with high X-Mod
poor claims history
new in business
with cancelled policy
have a lapse in coverage
have multi state operations
Just complete our short online questionnaire and receive multiple quotes from our carriers.
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ALTERNATIVE WORKERS COMPENSATION PROGRAM
We have access to various PEOs (Professional Employee Leasing Organizations).If you have a recent large claim, frequent claims, high experience modification rating , lapse or gap in coverage, in a high risk class code, being cancelled or non-renewed by your current insurance carrier, can't go back to State Fund due to an unpaid audit premium, denied coverage by Insurance Carriers due to your past insurance history, this program might be a low cost alternative for you. We only work with NAPSLO member PEOs that provide coverage from A- Excellent rated Insurance Carriers.
For many businesses, payroll services offer an attractive and valuable alternative to in-house processing. Chosen correctly, they provide a less expensive, simpler means of paying your employees, filing your taxes, and performing a host of other duties. Our competitively priced payroll service can be integrated with your Workers Compensation insurance policy.
Why do you need a low cost payroll service :
Time & cost savings
Increased employee morale and retention
Workers Compensation payroll reporting
Pre-Employment screening & testing
Human Resources support center
Business consulting, leasing & financing
Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.
A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection.
Workers' compensation insurance pays medical bills and some lost wages of employees who are injured at work, or who have work-related diseases or illnesses.
Employees get benefits based on the type and severity of their injuries. There are four types of workers' compensation benefits:
Income benefits pay a portion of an employee's lost wages.
Medical benefits pay for medical care to treat the work injury.
Burial benefits pay for some funeral expenses.
Death benefits pay some lost wages to the family of an employee killed on the job.
Workers' compensation doesn't pay for injuries that:
• are intentional or self-inflicted
• result from horseplay or voluntary drug or alcohol intoxication
• are inflicted by someone else for personal reasons unrelated to the job
result from voluntary participation in off-duty recreational, social, or sports events
• result from "acts of God" (like floods or hurricanes), unless the job has a particularly high risk of such injuries.
There are 3 primary factors determining your premium:
Type of your business
Your business is assigned to an industry-defined hazard group based on the likelihood of an accident occurring in your workplace. A low-risk business such as a professional services firm will have a different hazard group classification than a higher-risk business such as a construction company. An average cost per injury and fatality is computed for each classification. It is important to be sure your employees are classified correctly, as this directly affects the amount of your workers’ compensation premium.
Your claim / injury history
Your workers’ compensation premium is also based on the number of accidents that have occurred in your workplace relative to the average for all businesses of your classification and size. If your business has fewer workplace accidents than the average, your premium is likely to be lower than the premium paid by a similar business that experienced more accidents than average. Workplace safety programs can help you educate employees about safety and keep accidents to a minimum.
Total amount of your employee payroll has major influence on your workers’ compensation premium. The higher your payroll, the more you will pay in workers’ compensation premium. The more employees you have, the greater the chance that someone will experience a workplace injury.
Experience rating rewards employers with losses that are less than expected and penalizes those with losses that are greater than expected.
The experience modifier calculation is based on an employer's payroll and loss information for a period of 12 to 39 months. The experience period generally consists of the past four policy years, excluding the most recent policy year. An employer's actual losses are compared with the expected losses for businesses with similar job classifications and payrolls. If losses are less than expected, the employer gets a credit modifier that reduces the employer's premium. If losses are higher than expected, a debit modifier increases the employer's premium.
Experience rating will be applicable only if your annual premium is above $31,700.
Here are a few things you can do to keep your premium lower:
Maintain continuous coverage
If you maintain your coverage without a gap or lapse in coverage, carriers will give you additional rate discounts. Having continuous coverage for the last 3 to 5 years will lower your premiums substantially.
Prevent workplace injuries
Implement an "Injury Illness Prevention Plan" to reduce employee work related injuries. Help is available from CAL-OSHA.
Classify your class codes correctly
Incorrect classification of employee class codes may increase your premium. If you have a clerical employee classified as a field employee, premium will be higher. If you have employees that are subject to "Dual Wage Classification", maintaining time cards or payroll journal will lower your premium.
California Department of Industrial Relations (DIR) Assessment Rates:
WC Administration Revolving Fund Assessment/User Funding (LC § 62.5): 0.003433
Uninsured Employers Benefits Trust Fund Assessment (per LC § 62.5): 0.000532
Subsequent Injuries Benefits Trust Fund Assessment (per LC § 62.5): 0.001191
Occupational Safety & Health Fund (per LC § 62.5): 0.001925
Labor Enforcement & Compliance Fund Assessment: 0.001215
WC Fraud Account Assessment (per LC § 62.6): 0.001741
California Insurance Guarantee Association Assessment: 0.02
5027 – MASONRY--hourly wage does not equal or exceed $27.00 per hour
5028 – MASONRY--hourly wage equals or exceeds $27.00 per hour
5183 -- PLUMBING--hourly wage does not equal or exceed $26.00 per hour
5187 -- PLUMBING--hourly wage equals or exceeds $26.00 per hour
5185 – AUTOMATIC SPRINKLER INSTALLATION--hourly wage does not equal or exceed $27.00 per hour
5186 – AUTOMATIC SPRINKLER INSTALLATION--hourly wage equals or exceeds $27.00 per hour.
5190 – ELECTRICAL WIRING--hourly wage does not equal or exceed $30.00 per hour
5140 – ELECTRICAL WIRING--hourly wage equals or exceeds $30.00 per hour
5201 – CONCRETE OR CEMENT WORK --hourly wage does not equal or exceed $24.00 per hour
5205 – CONCRETE OR CEMENT WORK--hourly wage equals or exceeds $24.00 per hour
5403 – CARPENTRY--hourly wage does not equal or exceed $29.00 per hour
5432 – CARPENTRY--hourly wage equals or exceeds $29.00 per hour
5446 – WALLBOARD APPLICATION--hourly wage does not equal or exceed $31.00 per hour
5447 – WALLBOARD APPLICATION-- hourly wage equals or exceeds $31.00 per hour
5467 – GLAZIERS--hourly wage does not equal or exceed $29.00 per hour
5470 – GLAZIERS--hourly wage equals or exceeds $29.00 per hour
5474 – PAINTING, DECORATING, OR PAPER HANGING--hourly wage does not equal or exceed $24.00 per hour
5482 – PAINTING, DECORATING, OR PAPER HANGING--hourly wage equals or exceeds $24.00 per hour--N.O.C.
5484 – PLASTERING OR STUCCO WORK--hourly wage does not equal or exceed $27.00 per hour
5485 – PLASTERING OR STUCCO WORK--hourly wage equals or exceeds $27.00 per hour
5538 – SHEET METAL WORK--hourly wage does not equal or exceed $27.00 per hour
5542 – SHEET METAL WORK--hourly wage equals or exceeds $27.00 per hour
5552 – ROOFING--hourly wage does not equal or exceed $23.00 per hour
5553 – ROOFING--hourly wage equals or exceeds $23.00 per hour
5632 – STEEL FRAMING--hourly wage does not equal or exceed $29.00 per hour
5633 – STEEL FRAMING--hourly wage equals or exceeds $29.00 per hour
6218 – EXCAVATION--hourly wage does not equal or exceed $30.00 per hour
6220– EXCAVATION--hourly wage equals or exceeds $30.00 per hour
6307 – SEWER CONSTRUCTION--hourly wage does not equal or exceed $30.00 per hour
6308 – SEWER CONSTRUCTION--hourly wage equals or exceeds $30.00 per hour
6315 – WATER MAINS OR CONNECTIONS CONSTRUCTION--hourly wage does not equal or exceed $30.00 per hour
6316 – WATER MAINS OR CONNECTIONS CONSTRUCTION--hourly wage equals or exceeds $30.00 per hour
Yes, you can be fined and more. If the Division of Labor Standards Enforcement (state labor commissioner) determines an employer is operating without workers' compensation coverage, a stop order will be issued. This order prohibits the use of employee labor until coverage is obtained, and failure to observe it is a misdemeanor punishable by imprisonment in the county jail for up to 60 days, or by a fine of up to $10,000, or both. The Division of Labor Standards Enforcement will also assess a penalty of $1,000 per employee on the payroll at the time the stop order is issued and served, up to $100,000 (Labor Code section 3722(a)).
Additionally, if an injured worker files a workers' compensation claim that goes before the Workers’ Compensation Appeals Board and a judge finds the employer had not secured insurance as required by law, when the dispute is resolved the uninsured employer may be assessed a penalty of $10,000 per employee on the payroll at the time of injury if the worker's case was found to be compensable, or $2,000 per employee on the payroll at the time of injury if the worker's case was non-compensable, up to a maximum of $100,000 [Labor Code section 3722(b)].
HERE ARE WHAT OUR CLIENTS SAYING ABOUT US:
"CAWCI.com has a great communication style and great follow-up. CAWCI is the level of quality partner that I needed. They’re all about business. It’s all about clients being happy. It’s over the top – they are really good at it. I really appreciate you guys...."
Judy M. (Visalia, CA)
“They understand my business and they are part of my team. We want you at the table and we value your input on how to address issues. I like the synergy between the quality and their Worker Compensation rates, which are competitive. I would give the biggest accolade that I can give any insurance broker.”
Michael F. (Long Beach,CA)
“I would absolutely recommend CAWCI.com. The level of customer service, the constant interaction and the quick turnaround are the main reasons. The quality is absolutely there too. CAWCI.com is not just an insurance agency, they have a stable of people on hand. They can provide insurance support to us when we have urgent needs. “
Rachel D. (Concord, CA)