Many San Marcos businesses are hiring for the first time or adding crews. We help you set up workers’ comp correctly from day one and keep it right as you grow.
Answer a few questions about your team, and a licensed agent will follow up by phone or video.
By submitting, you agree a licensed insurance agent may contact you about workers’ compensation options.
Most workers’ comp questions come up when a business changes: a first hire, a new trade, or a big jump in payroll.
| Business type | What to check | Why it matters |
|---|---|---|
| First employee | Coverage before day one | California requires coverage from the first hire, so start the policy before they start work. |
| Part-time and seasonal workers | Hourly and seasonal payroll | Every employee counts, no matter how few hours they work. |
| Using subcontractors | Certificates of insurance | Uninsured subs can be added to your payroll at audit. |
We line up coverage before your first employee starts so there’s no uninsured gap.
We help you collect certificates from subs so they don’t end up on your audit.
When payroll jumps or you add a trade, we update your policy mid-term to avoid audit surprises.
Before your first employee’s first day. California requires coverage as soon as you have one employee, even part-time, so the policy should be in place before they start.
Only if they aren’t properly insured or don’t qualify as independent contractors. Collect a certificate of insurance from every sub, because uninsured subcontractors can be counted as your employees at audit.
Use your expected wages for the policy year, split by type of job. A realistic estimate keeps your deposit reasonable, and the year-end audit adjusts the premium to your actual payroll.
Yes. Every employee counts, regardless of hours or age. Part-time payroll costs less to cover because premiums are based on wages paid.
If your payroll or type of work changes significantly, yes. Updating mid-term keeps your premium closer to reality and avoids a large bill at audit.
Share your plans for hiring, and a licensed agent will lay out options by phone or video.
