Workers' comp and liability insurance for care agencies in San Francisco County

Coverage for San Francisco 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 San Francisco County

Local minimum wages in San Francisco County: San Francisco $19.61 (July 1, 2026). San Francisco also requires health care spending for employees under its Health Care Security Ordinance. Workers' comp is priced on payroll, so these wage floors set your premium. Five full-time caregivers at San Francisco's $19.61 is about $203,944 in annual payroll, or roughly $5,698 in advisory pure premium for in-home care and $10,632 for an RCFE, before carrier expenses and pricing.

Licensing offices for San Francisco County

Assisted living and board and care homes in San Francisco County are licensed through the CDSS Adult and Senior Care regional office in San Bruno (851 Traeger Avenue), which covers San Francisco and San Mateo counties. Home health agencies and hospices work with the CDPH San Francisco district office in Brisbane. Home care organizations are licensed statewide by the CDSS Home Care Services Branch in Sacramento.

San Francisco's Health Care Security Ordinance

San Francisco employers with 20 or more workers (50 or more for nonprofits) must spend a set amount per hour on employee health care. From January 1, 2027, the rate is $4.49 per hour payable for employers with 100 or more workers and $2.99 for employers with 20 to 99 (50 to 99 for nonprofits). It isn't part of your workers' comp premium, but it raises the cost of every caregiver hour, so we factor it into how San Francisco agencies budget their insurance.