Workers Compensation Insurance for Businesses in Santa Cruz County and The Greater Bay Area

Workers Compensation is a state mandated program requiring employers with one or more employees to provide coverage for work related injury, illness or death. Limits are statutory and premiums are determined by applying a factor to employee payroll. The factor is an actuarially determined percentage based on universal claim experience in that job category. Premiums can vary from company to company when premium modifiers are applied to the rates.

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