Workers' comp and liability insurance for care agencies in Contra Costa County

Coverage for Contra Costa 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 Contra Costa County

Local minimum wages in Contra Costa County: Richmond $19.18 (January 1, 2026); El Cerrito $18.82 (January 1, 2026). Where a city has no local ordinance, the $16.90 state minimum applies, so check your city before you estimate payroll. Workers' comp is priced on payroll, so these wage floors set your premium. Five full-time caregivers at Richmond's $19.18 is about $199,472 in annual payroll, or roughly $5,573 in advisory pure premium for in-home care and $10,398 for an RCFE, before carrier expenses and pricing.

Licensing offices for Contra Costa County

Assisted living and board and care homes in Contra Costa County are licensed through the CDSS Adult and Senior Care regional office in Oakland (1515 Clay Street), which serves Alameda and Contra Costa counties. 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.

West County wages, central county volume

Richmond and El Cerrito set their own minimum wages well above the state rate, while much of central and east Contra Costa follows the state minimum. An agency serving clients from Richmond to Antioch can see a $2 an hour spread for the same caregiver role, which matters when workers' comp is priced on every payroll dollar.