By Oscar Barajas · CA License #6015964 · October 30, 2026
Hiring your first employee is a big step. It also brings a rule a lot of owners don’t expect. In California, you need workers’ comp from day one.
Do I need workers’ comp if I only have one employee?
Yes. The California Department of Industrial Relations says employers must carry workers’ comp even if they have only one employee. Part-time counts. Family members on payroll often count too.
There’s no waiting period and no size cutoff. If someone works for you and you pay them, plan on it.
What does workers’ comp actually pay for?
It pays when an employee gets hurt or sick because of their job. That includes:
- Medical care for the injury or illness
- Part of their lost wages while they recover
- Permanent disability benefits if the injury lasts
- Death benefits for the family in the worst case
Most policies also include employer’s liability. That helps if an employee sues you over a work injury.
What about independent contractors?
This is where many owners get caught. California has strict rules for who counts as an independent contractor. Calling someone a contractor doesn’t make them one.
If you’re not sure about a worker, ask before you assume they’re not covered. Oscar can talk through how your crew is set up.
What if my contractor has no insurance?
If a subcontractor without coverage gets hurt on your job, the claim can land on you. That’s why many general contractors ask every sub for a certificate of insurance before they start.
How is the price figured?
Mostly by payroll and job type. Each job has a class code. A roofer’s payroll costs more to cover than an office manager’s, because the risk is higher.
Your claims history matters too. Fewer claims over time usually means a better rate.
What does Oscar need for a quote?
- Number of employees and what each one does
- Estimated payroll for each job type
- Where people work
- Any past coverage and claims
- The date you want coverage to start
What happens if I skip it?
Going without required coverage can lead to state penalties and stop-work orders. And if someone gets hurt, you could be on the hook for the bills yourself. It’s not worth the risk.
Ready to set it up?
Take the 90-second coverage profile or call 279-842-0928. A licensed agent reviews every request. Nothing here is a quote or proof of coverage.
Ask Diamond