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Workers’ Compensation

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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.

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!

  • Met Harold today and was impressed by him and his operations. He is genuine and detail oriented and I never felt rushed so it is no wonder that he works in a comforting environment with good people.... read more

    Rick S. Avatar
    Rick S.
    8/09/2018
  • 5 star ratingI need a business insurance for my company. They are quick and provide a lot of knowledge. Highly recommend them.

    Julie V. Avatar
    Julie V.
    10/19/2019
  • I highly recommend Harold's business as a full-service insurance provider. Harold and his staff have extensive knowledge in the business backed up by many years of experience. Harold, personally cares about his clients. I like working with... read more

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    Litsa P.
    Real Estate Investor
    5/07/2016
  • 5 star ratingI can honestly say that getting my two auto, renters and an umbrella policy(s) through McClatchy Ins., was the most enjoyable process I've experienced. I was greeted and offered refreshment (they have chocolate truffles)! The actual cost... read more

    Diana S. Avatar
    Diana S.
    1/10/2019
  • Being a business owner, I know value when I see it! The complete package is what you will get with Harold at McClatchy Insurance. He is always professional, timely and by far, the best insurance agent in... read more

    Steve Morrow Avatar
    Steve Morrow
    Capitol Collision Center Inc.
    3/21/2012
  • 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.

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    Fonzie Idris
    Univera
    12/24/2017
  • 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
  • Great customer service!!! McClatchy Insurance Agency saved me about 400.00 the first year I switched to them. The team of people here really know what they are doing. We increased my coverage with less money. I was... read more

    Tony V. Avatar
    Tony V.
    2/07/2017
  • 5 star ratingI have been working with the McClatchy Insurance Agency, specifically with Dick Lemon for about 4 1/2 years and Elisabeth Nidoy for about 1 1/2 years through work. These two people are not only extremely friendly,... read more

    Nan B. Avatar
    Nan B.
    11/09/2018
  • I have known Harold all of his life. I have had my insurance with McClatchy for over 30 years. I am thrilled he has bought the business from his father and will bring his innovative ideas to... read more

    Lilllian Fulton Avatar
    Lilllian Fulton
    Realtor
    3/20/2012

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’ compensation?

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 require 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’ compensation 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 is 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’ compensation?

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 that 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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