Workers' comp and liability insurance for care agencies in San Joaquin County
We insure home health agencies, hospices, assisted living and board and care homes, and home care organizations across San Joaquin County, including Stockton, Tracy, Manteca, Lodi, Lathrop and Ripon. 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 San Joaquin 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 Joaquin County
Unless your city adopts its own rate, San Joaquin 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 San Joaquin County
Assisted living and board and care homes in San Joaquin County are licensed through the CDSS Sacramento South Adult and Senior Care regional office (9835 Goethe Road), which also covers Stanislaus, Amador, Calaveras, Tuolumne and Alpine. 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.
Lower wages, bigger share of the budget
San Joaquin County caregivers are generally paid closer to the state minimum than Bay Area caregivers, which keeps workers' comp payroll lower. But Valley agencies also tend to run on tighter margins, so a misclassified office worker or an overestimated payroll hurts more. Pay-as-you-go billing, which ties each payment to actual payroll, is popular with Stockton-area agencies for that reason.
Frequently asked questions
Which office licenses assisted living in San Joaquin County?
The CDSS Sacramento South Adult and Senior Care regional office at 9835 Goethe Road. Home health agencies and hospices work with the CDPH Sacramento district office.
Does Stockton have its own minimum wage?
San Joaquin 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 San Joaquin County?
Our office is in Schaumburg, Illinois, and we're licensed in California (#0H92044). We serve San Joaquin 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 San Joaquin 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.
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