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Workers Compensation

Workers' Compensation Insurance Icon | McClatchy Insurance Agency Sacramento

Workers’ Compensation Insurance is mandatory in the State of California and we help you select a policy that’s right for you.

 

Regardless of your type of business, if you do business in California and have employees you need Workers Compensation. We have over 15 workers compensation companies at our fingertips to make sure you get the best value for your company. Workers compensation does not just end with a price though. Helping you craft a return-to-work program, connecting you with tools to make your business safe and avoid claims that cost you in productivity, time to find a replacement employee to pick up the slack, effect on team morale as well as potential changes to your experience modification are all areas we work with our clients on.

Workers Compensation is so much more than just a price. An ounce of prevention is worth a pound of cure. Let us help you keep your business healthy with a workers compensation plan that keeps the team working!

  • Harold and his organization are some of the most professional, well-trained insurance people in the industry. You couldn’t ask for a better business and personal relationship than the one Harold and his people will provide!

    Mike Young Avatar
    Mike Young
    Mycomm Inc.
    3/15/2015
  • Harold is a person with whom you want to conduct business. He’s knowledgeable, pleasant, and works hard. I’ve known Harold for years through our membership and active participation in the Independent Insurance Agents & Brokers of California... read more

    Rich Hallock Avatar
    Rich Hallock
    The Greenspan Co.
    6/15/2015
  • Dick has been the most effective insurance agent we’ve used thus far. In our line of business it is often when we’ve imposed on him timelines that are nearly impossible. Not sure how he does it every... read more

    Tiffiny Ruegner Avatar
    Tiffiny Ruegner
    Our Country Deserves Better PAC
    2/16/2017
  • We’ve done business with McClatchy and Harold for years. Highly recommended.

    Thomas Cregger Avatar
    Thomas Cregger
    Cregger & Chalfant
    3/02/2018
  • I have been a happy client with the McClatchy family for a long time. I love the great customer service they offer my Business. I appreciate the McClatchy family for what they do.

    Fonzie Idris Avatar
    Fonzie Idris
    Univera
    12/24/2017
  • 5 star ratingHarold at McClatchy is the most passionate, knowledgable and friendly agent I've ever had the great privilege of meeting. He is incredibly informative and gives every indication that he's 100% trustworthy. If I were to pick someone... read more

    Raft R. Avatar
    Raft R.
    10/04/2018
  • If you are looking for a local insurance company you can trust look no further. Harold Newbill and his agents are top-notch professionals. You will always get an honest answer and above all they are very competitive.... read more

    Veronika M. Avatar
    Veronika M.
    1/05/2017
  • Harold has been extremely knowledgeable and efficient in all that our company has had him handle for us. We are now covered at a great rate, and have a knowledgeable staff behind us if we ever have... read more

    Ashley T. Avatar
    Ashley T.
    1/07/2016
  • I am extremely delighted and grateful to have Harold as my Insurance Agent. “While you hope never to have to use your insurance, it sure is nice to have it when necessary.” This is how I felt... read more

    Julie Willsie Avatar
    Julie Willsie
    RR Donnelley
    12/30/2010
  • 5 star ratingDick and his staff have always been available and very aggressive in getting me the best coverage and price for my home and autos. I especially appreciate that a real person always answers the phone and directs... read more

    Bryan B. Avatar
    Bryan B.
    11/12/2018

Frequently Asked Questions

How are workers’ compensation premiums calculated?

Workers’ compensation insurance premiums are calculated based on employees’ classifications. The classification is determined based on the type of work they perform. The premium is expressed in dollars of payroll.

Can an injured employee sue my business if I have workers comp?

With a few important exceptions, an employee is barred from suing his/her employer for a workplace injury. The system was set up as a trade-off in which an injured employee cannot sue their employer but has the right for a workers’ compensation benefit. It is considered a non-fault system which disregards who was at fault for these injuries.

What kind of payment options do I have for workers’ compensation?

You have several options to pay for workers’ compensation. Traditionally your workers’ compensation payments are required a deposit and estimated premium payments. Pay-as-you-go or pay-for-pay are payments directly tied to actual payroll and is a more accurate assessment of premiums required.

When do I need workers comp for my employees in California?

All California employers with one or more employees must provide workers’ compensation benefits to their employees under California Labor Code Section 3700. An exception are sole proprietor business owners. A sole proprietor can be included in the policy but is not required to do so. Often health, life and/or disability income insurance policies may be a better course of action.

Do I need to cover independent contractors for workers’ comp?

Independent contractors are not eligible for workers’ compensation coverage and employers are not required to insure them; however, some employers might mistakenly misclassify an independent contractor who should have been classified as an employee. In that case, the person performing the work should have been included in the company’s workers’ compensation insurance. To ensure that as a business you are doing your due diligence it is very important you request a certificate of insurance for every independent contractor you use to ensure they have both Business Liability as well as Workers Compensation insurance.

Click here to download a sample waiver form we recommend you fill out with every independent contractor you work with to ensure that their payroll will not be included in your end of term Payroll audit.

Learn more about Independent Contractor versus Employee on the State of CA Department of Industrial Relations website.

What is employers’ liability on a workers’ compensation policy?

There are two key exposures for the employer. The first one is the employer’s liability as outlined in the workers’ compensation law, and the second one is additional liabilities arising for the employer which are not covered under this statute.

How does an experienced modification work?

An experience modification compares actual losses to expected losses. Statistical data shows the frequency and cost of injuries in a certain industry or business area. These numbers show a predicted risk. The modification also takes in consideration for example actual losses within a past year or applicable period.

McClatchy Insurance Agency Sacramento

Arizona License No. 1016711, California License No. 0724020, Colorado License No. 259694
Nevada License No. 16801, Oregon License No. 100164127, Washington License No. 873219

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