California workers' comp and liability insurance
Bliss Marc is licensed in California (#0H92044) and has insured California care providers for decades. We help home care organizations, home health agencies, RCFEs and small businesses meet state requirements and keep premiums under control.
Coverage guides for California
Workers' compensation in California
Labor Code section 3700 requires every California employer with employees to carry workers' compensation. Going without is a misdemeanor under section 3700.5, with a minimum $10,000 fine, and the state can issue a stop order with a $1,500 penalty per employee under section 3722. For policies starting on or after September 1, 2026, the approved advisory pure premium rates average $1.65 per $100 of payroll, a 6.6% increase from the prior year.
Home care organization licensing
Under Health and Safety Code section 1796.37, an applicant for a home care organization license must show general and professional liability of at least $1 million per occurrence and $3 million aggregate, a workers' compensation policy covering its home care aides, and an employee dishonesty bond of at least $10,000 with third-party coverage.
California class codes we place every day
- 8827(1) Home care services: $2.794 per $100 of payroll (advisory, 9/1/2026)
- 8827(2) Nursing care in private residences: $2.794
- 9070(3) Residential care facilities for adults: $5.213
- 8810 Clerical office employees: $0.214
Frequently asked questions
Is workers' comp required in California with one employee?
Yes. California Labor Code section 3700 requires every employer with employees to carry workers' compensation.
What insurance does a California home care organization need?
General and professional liability of at least $1 million per occurrence and $3 million aggregate, workers' compensation for home care aides, and a $10,000 employee dishonesty bond with third-party coverage.
Are California workers' comp rates going up?
Yes. Approved advisory pure premium rates for policies starting on or after September 1, 2026 average 6.6% higher than the prior year.
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