If you pay 1099 workers or just hired your first employee, workers' compensation is now your problem, not theirs.
Licencia de California #6020106
Menlo Insurance Services es el nombre registrado de Opero Labs Inc., con licencia del Departamento de Seguros de California.
Con licencia en cuatro estados hoy
California, Texas, Pensilvania y Nueva York. Las solicitudes en Ohio, Carolina del Norte y Michigan están en trámite ante esos estados. No cotizamos en un estado antes de que su licencia sea emitida.
Corredora independiente
Tenemos nombramientos con varias aseguradoras, así que la cotización se compara en el mercado en lugar de salir de un solo estante.
A self-serve quote prices the payroll and class code you type in. It cannot know that your 1099 subs count against your exposure, that your crew is on the wrong class code, or that your mod is inflated.
Uninsured subcontractors usually roll up into the hiring business's workers' comp exposure at audit. If your subs cannot show their own coverage, you can be charged for them, sometimes at a higher class code than your own crew.
In California, hiring an employee makes workers' comp mandatory, with penalties up to $100,000 for going without. The online quote will sell you a policy. It will not tell you whether the class code it defaulted to is the one that governs.
The same payroll priced on the right class code, with a mod worked down over time, is a materially different number. A broker reads the audit worksheet. A form field cannot.
The policy that pays medical treatment and lost wages when an employee is hurt, and the one uninsured subcontractors get charged against at audit. California requires it from the first employee, and licensed contractors must carry it from January 1, 2026 regardless of headcount. Premium runs on payroll by class code, so the code printed on the policy is the number that decides the price.
Third party bodily injury and property damage on the jobsite, which is a different claim entirely from an injury to your own crew. General liability is also the policy owners and general contractors are named onto, so the additional insured endorsement is what clears the contract review. It does not answer employee injuries. That is what comp is for.
Property and general liability bundled onto one form for smaller contracting shops: tools and equipment at the shop, office contents, and the liability of the operation. Eligibility turns on class, revenue, and how much of the work you self perform. It never includes workers' compensation, which stays a separate policy in every case.
Trucks, trailers, and the vehicles your crew drives for the work, covered for liability and for physical damage to the unit itself. Hired and non owned coverage responds when an employee runs an errand in their own car or you rent a truck for a week. A personal auto policy generally excludes the business use, and that gap is where uninsured claims come from.
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
They usually need it for themselves, and you need proof of it. If a sub cannot produce a certificate, an auditor can add what you paid them to your own exposure and charge you for it, sometimes at a class code more expensive than your own crew. Collecting certificates is not paperwork, it is premium.
For most businesses the obligation starts with the first employee. Licensed contractors are the exception: California requires them to carry coverage whether or not they have employees. Going without once you are required to carry it is a criminal offense with penalties, and a stop order can shut the job down.
No. General liability answers injury to third parties, and it excludes your own workers. This is the gap that surprises people who bought a liability policy for a contract and assumed it covered everything.
Maybe, and it is worth reading rather than paying. Most surprise audits trace to a classification or payroll-allocation issue, or to uninsured subs being added, not to the rate. We read the audit worksheet and the mod worksheet before we shop the renewal.
Tenemos licencia en California, Texas, Pensilvania y Nueva York, y las solicitudes en Ohio, Carolina del Norte y Michigan están en trámite ante esos estados. No cotizamos en un estado antes de que su licencia sea emitida. Comience una cotización y le diremos en qué situación está antes de que invierta tiempo.
Usted responde unas pocas preguntas y un corredor con licencia de Menlo las lee, clasifica su operación y la compara con las aseguradoras con las que tenemos nombramiento. No hay emisión instantánea ni caja negra. Habla con una persona antes de que se cotice nada.
Comience una cotización y un corredor con licencia sigue desde ahí, o hable con uno ahora.
