If you're a California contractor with no employees, you've probably been told you don't need Workers' Comp. That's exactly how licenses get suspended. We do one thing — owner-only coverage — and we do it same-day.
60-second form. No obligation.
Stay ahead of CSLB requirements before a compliance gap reaches your license.
Owner-only policies are simple. We confirm your class and quote fast.
Lower exposure should mean a lower rate. We make carriers compete for it.
Owner-only is what we do all day. You won't have to explain it twice.
Most owner-only contractors assume the requirement doesn't apply to them. But several California classifications already require an active Workers' Compensation policy regardless of employee count — and CSLB rules keep changing.
The contractors who get caught off guard are almost always the owner-only ones. A 60-second check tells you exactly where you stand.
Check My RequirementMaybe. It comes down to your specific classification and how your business is structured. We confirm it for free, in plain English, before you commit to anything.
Under California rules, you cannot claim a Workers' Compensation exemption if any of the following apply to you:
If you hold one of these classifications, Workers' Compensation is mandatory now — even as an owner-only contractor. Joint Venture entities are excluded from this provision. Not sure where you stand? We'll confirm it for you in minutes.
Many California contractors believe they don't need Workers' Compensation because they have no employees or qualify for a CSLB exemption.
But General Contractors, Property Managers, Developers, HOAs, and government projects routinely require subcontractors to provide a Workers' Compensation certificate before they're allowed on a jobsite.
Many owner-only contractors carry coverage simply because their customers require proof of insurance.
Without a valid certificate, you may:
Tell us about your owner-only operation in about 60 seconds.
We check whether your classification requires coverage.
Receive owner-only quotes from multiple California carriers.
Choose coverage and we submit your proof to the CSLB for you.
Start with owner-only Workers' Comp, then add General Liability and Commercial Auto right on your quote. The rest of your coverage is here too, all from one point of contact as your business grows.
I'm a one-man roofing operation and figured I was exempt. They caught that my class needed a policy and got me compliant before renewal. Saved my license.
Every other agency tried to sell me a policy built for a crew. These guys actually understood owner-only and quoted it right the first time.
Called in the morning, had owner-only quotes by lunch. No runaround. When I added a helper later they updated it same day.
Coverage built specifically for California contractors with no employees. Tell us about your operation and we'll get to work.
Typical reply in a few minutes
Tell us your trade and we'll let you know if your classification requires Workers' Comp in California.
Check My Requirement