Los Angeles Contractor Insurance, General Liability Insurance Los Angeles, Contractors Insurance Los Angeles, Los Angeles Liability Insurance. Workers Comp Insurance Los Angeles.

(213) 293-3818
CA Commercial General Liability Insurance CA Builders Risk Insurance CA Small Group Health Insurance CA Inland Marine Insurance
CA Employment Practices Liability Insurance CA Commercial Auto Insurance CA Workers Compensation Insurance CA Excess Liability Insurance
  What Sets Us Apart Map and Directions About Us Contact Us
Los Angeles Contractors Insurance - Los Angeles CA Contractors are saving 35%, 39% and More - Same Day Coverage Available
Tips for Los Angeles CA contractors insurance
Avoiding the Contractor's General Liability Fiery Pit of Hell
How to Cut Your General Liability Insurance By Thousands of Dollars Each Year
The Workers Comp Audit
The Commercial Auto Report
Los Angeles Contractor Trades Los Angeles Contractors Insurance Glossary
General Liability>
Property Insurance>
Workers Comp>
Other>


Surety Bond QUOTE NOW

Workers Comp QUOTE NOW

Commercial Auto QUOTE NOW

General Liability QUOTE NOW


Workers Compensation Insurance
For Contractors in Los Angeles CA

Los Angeles CA Contractors
Workers Comp Insurance

Workers Compensation Insurance for contractors is a tremendously expensive proposition. Depending on the specific nature of the construction business, rates in the range $10 to $13 per hundred of payroll are commonplace. For contractors doing roofing, these rates move up and beyond the $30.00 range. That means on the low side 10% of your payroll goes to pay your workers compensation tab and on the high side 30%.

The reason for this is workers compensation is considered a long tail claim. In other words, a claim can take a long time to settle with both medical and loss of income going on indefinitely. Workers compensation for contractors is so expensive due to the fact that for many insurance companies workers compensation is a losing proposition.

Workers Compensation Insurance is considered an "Exclusive Remedy" for employees injured in the line of your employment. This means that it doesn't matter whose fault it was to cause your employees injury, workers compensation is the policy that will pay for the injury.

Los Angeles California Workers Comp Bottom Line

This is good news, and totally straight-forward. The problem comes that all the defense that you as the employer pick up through the advent of workers compensation go out the window if you, for whatever reason, don't secure workers compensation insurance. In other words, if you decide not to purchase the coverage or if your workers compensation insurance policy lapses, you have no defense. If your employee is injured in the line of work, you still have to pay. Not only the medical and the lost wages - you are now wide open for a lawsuit.

Bottom Line - it is just a very bad idea for you as a contractor in California not to have workers compensation insurance. Think about it another way, many insurance companies are scared or at least very conservative when it comes to workers compensation for contractors. Almost without question, they have deeper pockets than you do. If a possible loss scares them, that same loss could bankrupt you.

The Secrets of Workers Comp for Los Angeles Contractors

Workers compensation is unlike any other form of insurance. Most insurance policies put a cap or policy limit as to how much a claim could cost. With workers compensation there is absolutely no limit. The next issue is that when you dig into the nuts and bolts of the workers compensation policy you come to realize that for anything but very large claims - you as the employer are going to not only pay for the claim over time, but you will actually finance that loss at a very high interest rate.

The good news - by focusing on Los Angeles California contractor's workers compensation we are uniquely positioned to help you. There are a number of pitfalls that contractors face when it comes to workers compensation insurance.

These include but are not limited to:
  1. Hiring the wrong employee - workers compensation claims data shows that this is the one of the key components in predicted and preventing losses
  2. Not having a bulletproof audit package
  3. Not properly securing Certificates of Insurance for subcontractors
  4. Not having a Light Duty or Return to Work
  5. Not Understanding the best ways to control and improve your experience modification thus causing your business to grossly overspend year after year

Workers Compensation Experts For Los Angeles California Contractors

Many insurance agents will tell you that "Workers Compensation is Workers Compensation". In other words, it is a vanilla coverage and that no differences exist. This is simply not true. It is particularly not true for contractors of any type. Their lack of understanding of this critical contractor's coverage can cost your business - thousands upon thousands of dollars - year after year.

For these reasons, you simply must deal with an agency that is expert in both California contractors insurance and California contractors workers compensation insurance. It's your money, your company's bottom line can be dramatically impacted by this critical line of insurance.

Call us at (213) 293-3818 or contact us for answers to your Los Angeles California Workers Compensation Insurance questions.
Los Angeles Contractors Insurance offered for virtually all CA contractors
Los Angeles County CA Cudahy CA Lake Los Angeles CA Santa Clarita CA
  Culver City CA Lakewood CA Santa Fe Springs CA
  Del Aire CA Lancaster CA Santa Monica CA
Acton CA Del Sur CA Lawndale CA Sierra Madre CA
Agoura CA Del Valle CA Lennox CA Signal Hill CA
Agoura Hills CA Desert View Highlands CA Leona Valley CA South El Monte CA
Agua Dulce CA Diamond Bar CA Littlerock CA South Gate CA
Alhambra CA Downey CA Llano CA South Pasadena CA
Alondra Park CA Duarte CA Lomita CA South San Gabriel CA
Altadena CA East Compton CA Long Beach CA South San Jose Hills CA
Antelope Acres CA East La Mirada CA Los Angeles CA South Whittier CA
Arcadia CA East Los Angeles CA Lynwood CA Stevenson Ranch CA
Artesia CA East Pasadena CA Malibu CA Temple City CA
Athens CA East San Gabriel CA Manhattan Beach CA Topanga CA
Avalon CA El Monte CA Marina del Rey CA Torrance CA
Avocado Heights CA El Segundo CA Mayflower Village CA Two Harbors CA
Azusa CA Florence-Graham CA Maywood CA Val Verde CA
Baldwin Park CA Gardena CA Monrovia CA Valinda CA
Bassett CA Glendale CA Montebello CA Valyermo CA
Bell CA Glendora CA Monterey Park CA Vernon CA
Bell Gardens CA Gorman CA North El Monte CA View Park-Windsor Hills CA
Bellflower CA Hacienda Heights CA Norwalk CA Vincent CA
Beverly Hills CA Hawaiian Gardens CA Palmdale CA Walnut CA
Big Mountain Ridge CA Hawthorne CA Palos Verdes Estates CA Walnut Park CA
Big Pines CA Hermosa Beach CA Paramount CA West Athens CA
Big Rock CA Hidden Hills CA Pasadena CA West Carson CA
Bouquet Canyon CA Huntington Park CA Pearblossom CA West Compton CA
Bradbury CA Industry CA Pico Rivera CA West Covina CA
Burbank CA Inglewood CA Pomona CA West Hollywood CA
Calabasas CA Irwindale CA Quartz Hill CA West Puente Valley CA
Carson CA Juniper Hills CA Rancho Palos Verdes CA West Whittier-Los Nietos CA
Castaic CA Kinneloa Mesa CA Redondo Beach CA Westlake Village CA
Castaic Junction CA La Ca�ada Flintridge CA Rolling Hills CA Westmont CA
Cerritos CA La Crescenta-Montrose CA Rolling Hills Estates CA Whittier CA
Charter Oak CA La Habra Heights CA Rosemead CA Willowbrook CA
Citrus CA La Mirada CA Rowland Heights CA  
Claremont CA La Puente CA San Dimas CA  
Commerce CA La Verne CA San Fernando CA  
Compton CA Ladera Heights CA San Gabriel CA  
Covina CA Lake Hughes CA San Marino CA  


Highway Insurance Services | 3104 E. Garvey Ave South Suite D West Covina, CA 91791-2363 | (213) 293-3818 Phone | (626) 966-4097 Fax

Workers Compensation Insurance Los Angeles

© 2013 ContractorsInsuranceMarketing.com - All Rights Reserved
Tips for Los Angeles contractors insurance
Contact Name
Company
Address
City
County
Zip
Email
Phone - -
Fax - -
Classification
(i.e. "electrician", "general contractor", etc.)
Tell Us About Your Operations
# Active Owners
# Full-time Field Employees
Contractor License #
# Part-time Field Employees
Work on New Tracts? Yes
No
Work on New Condos, Townhomes, or Apartments? Yes
No
Work Percentage
(Must Equal 100%)
New Commercial Service & Repair
Residential Miscellaneous Industrial
Remodel New Custom Homes
Company Information
Annual Payroll (exclude owners)
$
Annual Gross Receipts
$
Annual Sub Costs
$
Current Insurance Carrier
(If none, enter "none")

My Policy Renews (Current date if not insured)

Month
Year
How Did You Find Us?:
Provide detailed description of your contracting operations. The more complete the description, the more accurate your quote will be.