Workers Compensation
Lions & Coventry Insurance Services understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.
But should an accident happen, having the right Workers Compensation plan from Lions & Coventry Insurance Services can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Workers Compensation Insurance provides coverage in the event of an employee injury, or fatal accident. Most states require it, so it is very important to make sure your business has Workers Compensation Insurance in order to stay in compliance with state laws. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.
Workers Compensation can cover financial obligations such as:
- An injured employee’s medical expenses/treatment
- The replacement of lost wages from injury time off
To put it plainly, if you have one or more employees, you need Workers Compensation Insurance. In most states, failure to have Workers Comp results in punitive action resulting in exorbitant fines and the state may choose to completely shut down your business. It’s also important for you to know that General Liability will not provide coverage in the event of an employee related injury or death as it only applies to third parties.
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at Lions & Coventry Insurance Services who can help you find the right coverage options for all your business needs.
Workers compensation insurance FAQ
These answers are brokerage guidance for California employers, not legal advice. Coverage, class codes, and experience rating depend on payroll, operations, and underwriting. We do not quote a premium, promise a carrier, or claim a ranking before review. For related commercial coverages, see our construction insurance hub. Call (916) 967-7715 or use our contact page.
What does workers compensation typically cover for a California employer?
Workers compensation is designed to help pay required benefits when an employee is injured or becomes ill because of work — commonly medical treatment, temporary or permanent disability indemnity, and death benefits when the law requires them. In California, most employers with employees must arrange WC coverage (or an approved self-insurance program) through the state’s workers’ compensation system. Exact benefits and claim handling follow the policy, the Labor Code, and the claim facts — not a brochure summary. Pair WC with the rest of your commercial program via our construction insurance overview when crews are on jobsites.
What is commonly excluded or outside workers compensation?
WC is not a substitute for commercial general liability, commercial auto, or employment practices liability. Injuries to people who are not your employees (customers, true independent contractors when properly classified, or the public) are usually addressed under other lines. Intentional acts, certain statutory penalties, and expenses outside the WC benefit schedule are frequent friction points. Misclassification of workers can also create coverage and compliance gaps. Read your specimen policy and ask before you assume a claim is “just workers comp.”
Who needs workers compensation in California, and how does construction fit in?
As a high-level rule, California employers with one or more employees generally need workers compensation. Sole proprietors without employees, and some corporate officers or partners under limited statutes, may have different options — confirm with counsel and your carrier, not a web FAQ. Construction contractors often need WC to pull permits, satisfy primes and owners, and keep crews legal on the job. When a certificate lists WC, holders also care about additional-insured and waiver wording on the GL side; use our California contractors COI & additional-insured checklist so the request is complete.
What documents help get a workers compensation quote?
Bring a current payroll by class code (or a clear description of operations and headcount), FEIN, years in business, loss runs if you have prior coverage, and any owner/officer inclusion or exclusion elections. Contractors should add CSLB / license details, the trades you self-perform vs. subcontract, and sample job descriptions. Accurate class codes and exposure matter more than a rushed lowball estimate — wrong payroll or misdescribed work can unwind a quote. We review submissions as brokerage guidance only; we do not invent premiums on this page.
How do I start a workers compensation quote with Lions & Coventry?
Call (916) 967-7715 or send details through our contact form. Tell us your entity name, locations (Sacramento / Placer and statewide as applicable), payroll by operation, and whether you need certificates for primes or owners. We will help map WC alongside GL and related lines so the program matches the work — not a one-size internet binder. Lions & Coventry license #0G22084 — brokerage guidance only, not legal advice.
How to get California workers compensation coverage
Educational steps for California employers and contractors preparing a workers compensation quote. This is brokerage guidance from Lions & Coventry Insurance Services — not legal advice, not a premium quote, and not a ranking claim.
- Confirm employer and entity facts — legal name, FEIN, entity type, years in business, locations, and whether owners or officers will be included or excluded. Construction firms should note CSLB or license details and trades self-performed versus subcontracted.
- Assemble payroll and class codes — current or projected payroll by operation, headcount, and a clear description of duties so class codes can be mapped accurately. Loss runs help if you had prior coverage. See the construction insurance hub for related commercial lines.
- Map coverages and related lines — workers compensation for employees, and how it fits with general liability, commercial auto, and other policies primes or owners may require. We help align the program to the work — without promising a carrier or premium before underwriting.
- Prepare certificate and jobsite requests — named insured, certificate holder, job address, and any WC evidence primes or owners need. On the GL side, note additional-insured or waiver wording from the subcontract. Use the California contractors COI & Additional Insured checklist.
- Call or contact for a quote — reach Lions & Coventry at (916) 967-7715 or the contact form with entity facts, payroll by class, and certificate needs so we can shop fitting markets.
Next step: call (916) 967-7715 or use /contact/. License #0G22084 — Citrus Heights, CA.