Workers’ comp
Pays medical bills and part of lost wages when an employee is hurt or gets sick because of their job.
Covered
Every policy is different. Oscar walks you through the exact wording of yours.
- 01Medical care for work injuries and illnesses
- 02Part of an employee’s lost wages while they recover
- 03Permanent disability and death benefits
- 04Employer’s liability if an employee sues over an injury
Usually not covered
- Injuries to customers or the public (that’s general liability)
- Independent contractors who are truly independent (California’s rules here are strict)
- Injuries from fights the employee started, or from being intoxicated, in most cases
- Damage to equipment or vehicles
Who it’s for
In California, the state says employers must carry workers’ comp even if they have only one employee. That includes part-time help.
Bundle two or more policies with Diamond and save up to 20%. A licensed agent reviews every request. Nothing on this page is a quote or proof of coverage.
Workers’ comp questions
Do I need workers’ comp for one part-time employee?
Yes. The California Department of Industrial Relations says employers need it even with only one employee.
How is the price figured?
Mostly by payroll and job class codes. A roofer’s payroll costs more to cover than an office worker’s. Your claims history matters too.
What if my employee drives for work?
Workers’ comp covers their injury. Damage to others from the accident is a commercial auto question.
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