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COVERAGE / WORKERS' COMP / STATES / CALIFORNIA
WORKERS' COMP · CALIFORNIA

Workers' comp in California.

California requires workers' comp from the first employee. California's own rating bureau sets its own classes. You buy coverage from carriers, including State Compensation Insurance Fund.

REQUIRED
From the first employee
RATING BUREAU
WCIRB
CLASS CODES
Own system
BUY FROM
Carriers, including State Compensation Insurance Fund
WHO MUST CARRY IT

Required from the first employee.

The rule

California requires workers' comp from the first employee.

Source: California Labor Code §3700; Insurance Code §11775, checked October 5, 2026.

Coverage rules: California DIR, Division of Workers' Compensation: Employer information, read from an archived copy dated September 26, 2026.

CLASS CODES HERE

California's own rating bureau sets its own classes.

Rating bureau

California has its own rating bureau, the Workers' Compensation Insurance Rating Bureau of California (WCIRB).

Workers' Compensation Insurance Rating Bureau of California (WCIRB)

Class system

Its own classes.

Manual: California Workers' Compensation Uniform Statistical Reporting Plan, 1995, Part 3: Standard Classification System

Codes on our pages

Not confirmed for California: the state's bureau sets its own classes, and which codes on our pages apply here is not checked. An advisor confirms your class codes.

All class codes, by industry

List: WCIRB, Classification 9079(1), Restaurants or Taverns, Divided into 6 New Classifications, read from an archived copy dated February 11, 2025; not confirmed for the codes on our pages.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in California?
Yes. California requires workers' comp from the first employee.
Who sets class codes in California?
California's own rating bureau, the Workers' Compensation Insurance Rating Bureau of California (WCIRB). Its own classes. An advisor confirms your class codes.
Can I buy from State Compensation Insurance Fund?
Yes. State Compensation Insurance Fund writes workers' comp in California, alongside other carriers.
Is Worklio Insurance licensed in California?
Worklio Insurance Services LLC's producer is licensed in California, and the agency license there is active. See insurance licenses

SOURCES

Figures as of September 26, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in CaliforniaEmployer payroll tax rates, on Worklio HCM.

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