Workers' Compensation Insurance in California — What You Need to Know
California law requires almost every employer — even those with just one employee — to carry workers' compensation insurance. It's not optional. Without it, your business is exposed to significant fines, lawsuits, and liability if an employee is injured on the job.
James Widjaja at Widjaja Insurance Agency in Clovis helps small and mid-size businesses throughout Clovis, Fresno, and the Central Valley find the right workers' compensation coverage. Call (559) 297-5964 for a free business insurance consultation.
What Workers' Comp Insurance Covers
🏥 Medical Expenses
Covers the cost of treating a work-related injury or illness.
💵 Lost Wages
Replaces a portion of the employee's income while they recover.
♿ Disability Benefits
For permanent or temporary disability resulting from a work injury.
🪦 Death Benefits
Provides support to an employee's dependents in the event of a fatal workplace accident.
⚖️ Employer Liability Coverage
Protects your business against lawsuits related to workplace injuries.
California Workers' Comp Requirements
California's workers' compensation requirements are among the strictest in the country. Key facts for Clovis and Fresno business owners:
- ! Required for all businesses with one or more employees — including part-time and seasonal workers
- ! Sole proprietors and partners are generally exempt but may choose to purchase coverage
- ! Penalties for non-compliance include fines up to $10,000 and potential criminal charges
- ! Employees can sue employers who do not carry required workers' comp coverage
Industries We Serve in Clovis & Fresno
Workers' Comp Insurance Serving Clovis & Fresno Business Districts
Widjaja Insurance Agency is located in the heart of downtown Clovis at 642 Pollasky Ave Suite 100 — just minutes from every major business district in the Central Valley. We provide workers' compensation insurance to employers throughout the region, including businesses in:
Whether you run a small retail shop on Pollasky Avenue, a construction company working sites across Fresno County, or an agricultural operation in the San Joaquin Valley, James Widjaja can get your business covered. Walk-ins welcome at our Clovis office — no appointment needed for an initial consultation. Most workers' comp quotes are completed within one business day.
Frequently Asked Questions — Workers' Comp in California
Widjaja Insurance Agency is located at 642 Pollasky Ave Suite 100 in downtown Clovis. James Widjaja is a licensed Farmers Insurance agent serving Clovis, Fresno, and the Central Valley. Call (559) 297-5964 or submit a quote request online — we typically respond within one business day.
Yes. California law requires all employers with one or more employees to carry workers' compensation insurance. Failure to comply can result in fines, penalties, and personal liability for workplace injuries.
Workers' comp premiums in California are based on your industry, payroll size, and claims history. Some lower-risk industries pay as little as $0.50–$1.00 per $100 of payroll, while higher-risk trades can pay significantly more. Call James Widjaja at (559) 297-5964 for a quote specific to your business.
Sole proprietors without employees are generally exempt from the requirement, but may choose to carry coverage — especially if working as a contractor where clients require proof of workers' comp. James Widjaja can advise based on your specific situation.
You can be held personally liable for all medical costs, lost wages, and damages. California also imposes fines of up to $10,000 and can issue a stop-work order against your business. The cost of a policy is almost always far less than the risk of going without.
Call (559) 297-5964 or stop by our office at 642 Pollasky Ave Suite 100 in downtown Clovis. James Widjaja will review your business type and payroll to get you an accurate quote, usually within one business day.
Ready to Get Started?
Call James Widjaja for a free, no-obligation workers' compensation quote — a local Farmers Insurance agent who has been part of the Central Valley community for over 27 years.