Workers' comp and liability insurance for care agencies in Alameda County
We insure home health agencies, hospices, assisted living and board and care homes, and home care organizations across Alameda County, including Oakland, Berkeley, Fremont, Hayward, Alameda, San Leandro and Emeryville. Licensed in California (#0H92044), we quote online in about two minutes or by phone, and issue certificates the same business day.
- Emeryville minimum wage
- $20.34
- From July 1, 2026; state minimum is $16.90.
- Home health minimum wage
- $23/hr
- Health care worker minimum, July 1, 2026 (SB 525).
- RCFE liability required
- $1M / $3M
- Every RCFE, Health and Safety Code 1569.605.
Coverage for Alameda County care providers
- Workers' compensation: class 8827(1) for in-home care and 8827(2) for in-home nursing ($2.794 per $100 of payroll), 9070(1) for RCFEs ($5.213), advisory rates for policies starting on or after September 1, 2026
- Professional and general liability, including the $1M / $3M every RCFE and home care organization must carry
- The $10,000 dishonesty bond for home care organizations, and resident cash bonds for RCFEs
- Hired and non-owned auto, abuse and molestation, and employment practices liability
Minimum wages in Alameda County
Local minimum wages in Alameda County: Emeryville $20.34 (July 1, 2026); Berkeley $19.61 (July 1, 2026); Fremont $18.05 (July 1, 2026; nonprofit employers exempt); Hayward $17.79 (January 1, 2026; 26+ employees; smaller employers follow the state minimum); Alameda $17.76 (July 1, 2026); Oakland $17.34 (January 1, 2026). San Leandro follows the state minimum of $16.90. Workers' comp is priced on payroll, so these wage floors set your premium. Five full-time caregivers at Oakland's $17.34 is about $180,336 in annual payroll, or roughly $5,039 in advisory pure premium for in-home care and $9,401 for an RCFE, before carrier expenses and pricing.
Licensing offices for Alameda County
Assisted living and board and care homes in Alameda County are licensed through the CDSS Adult and Senior Care regional office in Oakland (1515 Clay Street), which also covers Contra Costa County. Home health agencies and hospices work with the CDPH East Bay district office in Richmond. Home care organizations are licensed statewide by the CDSS Home Care Services Branch in Sacramento.
Six different wage floors in one county
An Alameda County agency with caregivers in Oakland, Berkeley and Fremont can owe three different minimum wages for the same job. Workers' comp payroll has to reflect what each caregiver actually earns, so we build your estimate city by city. Getting it right up front keeps your deposit realistic and avoids a surprise bill at audit.
Frequently asked questions
Which office licenses assisted living homes in Alameda County?
The CDSS Adult and Senior Care regional office in Oakland, at 1515 Clay Street, licenses RCFEs in Alameda and Contra Costa counties. Home health agencies and hospices work with the CDPH East Bay district office in Richmond.
What is the minimum wage in Oakland and Berkeley?
Oakland's minimum wage is $17.34 from January 1, 2026. Berkeley's is $19.61 from July 1, 2026. Emeryville's is $20.34. Licensed home health agencies must pay at least the $23 health care minimum wage statewide.
Do you have an office in Alameda County?
Our office is in Schaumburg, Illinois, and we're licensed in California (#0H92044). We serve Alameda County agencies online and by phone, with quotes in about two minutes and certificates of insurance the same business day.
Sources: Official minimum wage notices for cities in Alameda County; California Labor Commissioner minimum wage and Health Care Worker Minimum Wage FAQs; CDSS Adult and Senior Care regional office list (Sept. 2026); CDPH Licensing and Certification district offices; Health and Safety Code 1569.605; WCIRB classifications 8827 and 9070(1) and September 1, 2026 advisory rates.
See your price in two minutes
Instant workers' comp and liability estimates, with a licensed agent to finish the job.