Workers' comp and liability insurance for care agencies in Sacramento County
We insure home health agencies, hospices, assisted living and board and care homes, and home care organizations across Sacramento County, including Sacramento, Elk Grove, Citrus Heights, Folsom, Rancho Cordova and Carmichael. Licensed in California (#0H92044), we quote online in about two minutes or by phone, and issue certificates the same business day.
- Minimum wage
- $16.90
- California state minimum for 2026.
- 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 Sacramento 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 Sacramento County
Unless your city adopts its own rate, Sacramento County employers pay at least the $16.90 state minimum, and licensed home health agencies pay at least the $23 health care minimum wage. Workers' comp is priced on payroll, so these wage floors set your premium. Five full-time caregivers at the $16.90 state minimum is about $175,760 in annual payroll, or roughly $4,911 in advisory pure premium for in-home care and $9,162 for an RCFE, before carrier expenses and pricing.
Licensing offices for Sacramento County
Assisted living and board and care homes in Sacramento County are licensed through two CDSS Adult and Senior Care regional offices at 9835 Goethe Road, Sacramento North and Sacramento South, which split the county. Home health agencies and hospices work with the CDPH Sacramento district office (3901 Lennane Drive). Home care organizations are licensed statewide by the CDSS Home Care Services Branch in Sacramento.
Close to the agencies that license you
Sacramento is home to the headquarters of both licensing departments: the CDSS Home Care Services Branch, which licenses every home care organization in California, and the CDPH Centralized Applications Branch for home health agencies and hospices. New RCFE applications go to the CDSS Centralized Applications Bureau on P Street. For Sacramento agencies, that means application questions, background checks and orientations all run through offices nearby.
Frequently asked questions
Which office licenses assisted living in Sacramento County?
CDSS splits Sacramento County between its Sacramento North and Sacramento South Adult and Senior Care regional offices, both at 9835 Goethe Road. Home health agencies and hospices work with the CDPH Sacramento district office on Lennane Drive.
Does Sacramento have its own minimum wage?
Sacramento County employers generally follow the $16.90 state minimum for 2026 unless their city adopts a local rate. Licensed home health agencies must pay at least $23 an hour under the health care minimum wage.
Do you have an office in Sacramento County?
Our office is in Schaumburg, Illinois, and we're licensed in California (#0H92044). We serve Sacramento 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 Sacramento 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.