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Workers Compensation in Elk Grove, CA & Sacramento CA

Keeping Employees and Businesses Protected

Businesses and employees face a lot of risks.  The cost of workers’ compensation, and the risk of injuries to employees are major concerns to California businesses. Workplace injuries can be costly to both the injured worker and the employer. For this reason, businesses and employees need protection.  Insurance provides this protection and at Insurance121 we have a complete workers’ compensation insurance program.  We write customized solutions through this program and we’ll write a customized solution for you.  You’ll have the greatest possible policy for the right price, to help your operation and your workforce stay secure.

Workers Compensation Coverage Details

Workers’ compensation generally protects employees if they are injured at work.  Workers’ compensation covers some or all of the costs of medical care, and it helps reimburse employees for lost wages.  It also protects employers against lawsuits.  In California workers’ compensation is required, so every commercial operation with one employee or more must have a worker's compensation policy. However, different levels of service may be needed by your individual business.  We’ll help you find the right coverage for your operation, and we’ll ensure that your policy fits.

We represent more than 20 workers’ compensation carriers to give you the best possible selection of insurance options, and to allow you to tailor your solution to your needs. We offer “pay-as-you-go” payroll reporting so that during your down months, your money stays in your pockets instead of going to the insurance company. Ask about this option and find out which payroll company we partner with to simplify your workers’ compensation process.

Industries We Work With

We can provide workers’ compensation options to most any industry, including restaurants and food service, offices, medical, auto service and repair, and many others.

However, many industries have Workers’ Compensation challenges – both in availability and rates.  Below are examples of industries where, in many cases, we can offer a choice of solutions:

  • Construction - including framing, carpentry, roofing, plumbing, HVAC, fence construction, glass and glazier, concrete, structural steel and rebar, .
  • Tree care, arborists, landscapers and lawn care.
  • Agriculture – including vineyards, growers, ranchers, dairies, orchards, farms.
  • Trucking, hauling, construction clean-up.
  • Manufacturing and wholesale.
  • Recyclers.
  • Limousine and wine tour operators.
  • Building maintenance and janitorial.

We provide packages of workers’ compensation products and services to meet your unique needs as a client.  Once your policy is in place, our job is just beginning.  We monitor regularly, and we keep you informed.  We’re your partner, one you’ve brought on to help keep your bottom line profitable.

Beyond simply writing a policy for you, we work closely you to identify potential weaknesses and to create the best level of service.  Our 1.2.1 Toolbox is a unique suite of services, designed to help you manage your risk and your employer obligations, and to guide you through the confusing maze of workers’ compensation.

Frustrated by audits? We’re here to help. Have an agent who writes the policy then walks away? Not us at Insurance121. We’ll be your partner all through the year. Do you know what the State of California, OSHA require of you? We’ll provide pertinent information to keep you compliant with the ever-changing jungle of legislation.

We work with you to minimize the chance you will need to use your insurance.  If you do experience a workplace injury or illness, and you have to file a claim, we’ll monitor and help manage the claim, to help the process move quickly. 

We’re reachable at almost all times, so clients can get a hold of us whenever they want or need to. 

We'd love to tell you more about our workers’ compensation program, so please contact us or give us a call.  If you're ready to get started you can request a quote.

Claims Information

The Hartford Workers Compensation Documents

Employers California Workers Compensation Forms and Claim Service

State Fund Employer Requirements

Additional Resources