Whether you need Workers' Compensation in California depends on your CSLB classification and business structure. We confirm your requirement, keep your license protected, and file your proof with the CSLB for you.
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California's Contractors State License Board (CSLB) ties your license directly to Workers' Compensation. Depending on your classification and business structure, you may be required to carry an active policy — and if you're required to and don't, the CSLB can suspend your license. Many contractors only discover this at renewal, when it's already a problem.
You cannot claim a Workers' Compensation exemption if: your qualifier is a Responsible Managing Employee (RME); you have employees (including Home Improvement Salespersons); or you hold a C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing, or C-61/D-49 Tree Service classification. Joint Venture entities are excluded from this provision.
The most common mistake is assuming "no employees means no Workers' Comp." For several classifications, that's simply not true — coverage is required regardless of headcount. And even where an exemption is allowed, your customers may demand proof of coverage before you can work their jobs.
Yes. If your classification requires Workers' Compensation and you don't carry a valid policy, the CSLB can suspend your license — which stops you from legally operating until you're compliant again. Confirming your status now is far cheaper than a suspension later.
Tell us your classification and we'll confirm your requirement, quote multiple California carriers, and file your proof with the CSLB.
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