Frequently Asked Questions

We have direct access to several of the best and top-rated national workers compensation insurance carriers. Depending on the risk, claims and time in business, we will find your business the best options and coverage, based on your current circumstances.

Some of the Top-Rated Workers Compensation Insurance Carriers:

• The Hartford
• Guard
• CNA
• Travelers
• AmTrust

Yes. Depending on the risk, claims and time in business, State Compensation Insurance Fund is required to provide the workers compensation to employers, except the monopolistic States listed below.

• The State Fund Workers Compensation
• Private Insurance Companies  (We shop on your behalf)
• We provide our clients their Certificates of Insurance Fast - Even if it needs to be placed with State Fund for workers comp:

The State Compensation Insurance Fund (SCIF), commonly known as State Fund, is a California-based, non-profit "quasi-governmental" entity that provides workers' compensation insurance to businesses. Operating as a competitive, self-supporting insurer for over 100 years, it ensures that all California employers can obtain coverage, acting as the insurer of last resort. 

State Fund Key Aspects of SCIF Workers' Comp:

• Purpose: To provide fairly priced, stable workers' compensation insurance, promote workplace safety, and help injured employees recover and return to work.
• Forced Choice/Safety Net: If a business cannot find coverage through private insurers, SCIF provides it, though this may sometimes come with higher rates or less comprehensive coverage than private alternatives.
• Not a State Agency: While created by the legislature, SCIF is not a branch of the California state government.
• Coverage & Benefits: SCIF covers medical expenses, rehabilitation, disability benefits (temporary and permanent), and death benefits for workplace injuries.
• Coverage Obligation: In California, businesses with even one employee are required to have workers' compensation, and SCIF serves as a primary source for this coverage.

Some classifications must have workers’ comp even if they have no employees, including:

• C-8 Concrete 
• C-20 HVAC
• C-22 Asbestos Abatement
• C-39 Roofing
• D-49 Tree Service

*Important Upcoming Change*

• A new California law (SB 216) is expanding the requirement. Beginning in phases through 2026–2028, most licensed contractors will need to show proof of workers’ compensation coverage even if they have no employees.

• North Dakota
• Ohio
• Washington 
• Wyoming

Check the status of your Contractors License Fast:

• Click to verify your workers compensation and license  are active with the CSLB

How our clients get their Certificates of Insurance Fast:

• We work with the best Workers Compensation Insurance Carriers in the Nation
• Our Brokers and Agents work tirelessly to help your business
• We provide our clients their Certificates of Insurance Fast - Even if it needs to be placed with State Fund for workers comp:
• Call 844-97-USAVE Today so we can help!  

You Get Access to More Options (Not Just One Company) 

• Better pricing (real competition) 
• Better coverage options 
• Access to specialty markets (critical for trucking & contractors)

Get the RIGHT Coverage the First Time

• Identifies coverage gaps (huge in construction & trucking) 
• Adds required endorsements (AI, Waiver, PNC, etc.) 
• Structures policies correctly (GL + Auto + Umbrella + Inland Marine)

 You Save Time (And Headaches)

• Shops the market 
• Handles applications 
• Negotiates with underwriters 
• Gets you bind-ready quickly 

Get Fast Certificates & Real Support 

• Issues COIs fast 
• Handles compliance requirements from GCs & shippers 
• Fixes endorsement issues quickly