Call: (619) 741-5118
All about Workers' Compensation Insurance
Workers’ Compensation Insurance is a form of insurance required by law for each employer in every state in the United States. It is designed to pay for medical expenditures and lost wages for hurt employees on duty. For contractors, workers’ comp is even more critical due to the physical and risky nature of the business. Workers’ compensation protects the employer and employee and the party that the contractor is working with or for. It includes:
Medical Care
Covers everything from the initial assessment, to treatment and rehabilitation if needed.
Temporary Disability Benefits
Injured employees are typically compensated 66% of their regular weekly wages while they recover.
Death Benefits
Supports families by covering funeral expenses and revenue replacement.
Supplemental Job Displacement Benefit
A voucher is provided to help pay for retraining or skill enhancement if an employee does not return to work for their employer after being eligible for the permanent disability benefit.
Permanent Disability Benefit
Compensation for employees with permanent physical or mental injuries caused by a workplace incident.
Employers LIABILITY
Protects your business from financial losses if a worker files a lawsuit against you.
Why should you have Workers' Compensation Insurance
According to the CSLB guidelines:
Workers’ Compensation protects you and your business assets in the event a worker is injured. It also helps cover the legal costs and damages which may result from a lawsuit over the injuries. Independent contractors with a small crew of workers have the same liabilities and legal commitments as larger firms and must carry workers’ compensation insurance even if they only have one employee.
Most importantly, workers’ compensation is mandated by law if you have employees. Failure to maintain workers’ compensation insurance coverage (or if you have a lapse in existing coverage) will result in contractor’s license suspension. Any work performed during a license suspension is subject to disciplinary action and constitutes working without a license. Workers’ compensation license suspension can be reinstated once acceptable proof of workers compensation insurance coverage is received and processed.
Call us today for this important coverage and get a Certificate of Workers Compensation Insurance right away. We serve San Diego county and the entire state of California.
We Can Help You with Your Workers' Compensation Certificate Requirements.
Many contractors face an uphill battle when it comes to receving their certificates of insurance quickly. We can help! Our office is able to issue a certificate of insurance as soon as the policy numbers are issued. Typical turnaround time on workers’ compensation certificates is within 24-48 hours of your policy inception. We also upload the new policy information to the CSLB so that your license information stays updated. Our areas of service are all of San Diego county and the great state of California. Give us a call today to obtain your free Workers’ Compensation quote or click here to request a quote online.
HOW IT WORKS
Request A Free Quote
After hours? Click the button below to complete an online application. You’ll receive a call from an Insurance Specialist the following business day.
We’re Here to Help
Your assigned insurance agent will shop your account with several carriers to locate the best coverage for the best pricing, based on your insurance requirements. Quote turnaround is typically within 48 hours. The purchase process is expedited through use of e-signature and e-payment services.
Get your Workers Compensation Insurance Certificates Quickly and Easily
Certificates of Insurances are typically released within 48 hours of processing your policy. Most have a same-day turnaround.
Additional Questions, Concerns, or Urgent Requests?
Give us a call at (619) 741-5118 and speak with a representative today.
About Us
CSIA, Inc. is a woman-owned and operated insurance agency in San Diego, California.
We Locate the Best Coverage at the Best Price. That’s Our Trade Secret.
Owner Renee Powell has over 25 years of experience in the construction trade business and has helped hundreds of contractors. Our competent staff helps clients obtain General Liability, Commercial Auto, Workers’ Compensation, Bonding, Property, Excess Coverage, Course of Construction, Tools and Equipment Coverage, and many other construction-related insurance policies. We also insure many other types of commercial businesses, from small nail salons to large real estate investment companies.
We have proudly assisted California contractors and commercial businesses in locating the coverage they need since opening our doors in 2006. We’re here to serve you and help your business stay in compliance with CSLB guidelines and contract requirements. As specialists focusing on the building trades, we understand your unique business has special needs. That’s why we employ a staff of dedicated specialists to help you find the right coverage quickly so you can get on the jobsite.
As an independent insurance agency, we don’t work for the insurance carrier – we work for you. Every member of our staff has been with our agency for over 10 years. We keep your needs in mind as we shop for pricing and coverage at every renewal. You can always expect to hear from us about your policies and options, offering a personal touch not often found with other insurance agencies. Typical response time for all requests is within 24 hours. We can quickly have you quoted, have your coverage in place, and have a certificate in your hand to get you to work. Our duty is always to our client’s best interests. Our extensive knowledge of contractor insurance coverages as well as job contracts will help you find the coverage that best suits your needs. Call today for a free consultation…you’ll be glad you did.
Why Choose Us For Your Workers Compensation Insurance Needs?
Prioritizing Your Insurance Needs
Over the years, we’ve cultivated great relationships with dozens of commercial and contractor insurance carriers that help us get better rates and coverages for our clients. As an independent agency, we are not aligned with any single insurance company, allowing us to represent our client when shopping multiple carriers to find the best policy for your needs and budget.
Our Promise to You
All inquiries received during normal business hours will be answered by a live representative who will assist you with your policy, service, and certificate requests, or direct you to the staff member who can. We will always prioritize your policy needs and strive to provide you with unmatched customer service.
We Are a One-Stop Shop
We've got the markets to cover all of your insurance needs! With one phone call or email, you can have one certificate reflecting all of your insurance policies out to your customers that same day. We know you're busy and your time is valuable - contractors are our business. Get construction started without the hassle of waiting for multiple agents to provide certificates of insurance. Trust Contractor Solutions Insurance Agency, Inc. as your one-stop shop for your General Liability, Work Comp, Property, Commercial Auto, and more.
We Locate the Best Coverage at the Best Price. That’s Our Trade Secret.
We understand the challenge of finding affordable insurance coverage in California. At CSIA, Inc. we strive to deliver a combination of both affordability and protection. While there are several inexpensive policy options, they may not properly cover your business. We will always seek to find the best coverage for you at the best price.
We Understand Contractors
Contractor Insurance is our specialty, as you may have guessed. We are experienced in reviewing insurance requirements and quoting policies that will meet all requirements to get you on the job site. Whether it be to add a CG 2037, Primary and Noncontributory Wording, or a Per Project aggregate limit, we handle it all. Many of our policies also include blanket waivers which allow several additional insureds to be added to your certificates of insurance throughout the policy term. This endorsement is crucial for those urgent cert requests that are bound to come in.
Our Happy Clients
5/5
Greatest group of Insurance Brokers with fair rates. I have remained with them for the past decade. They have always held my insurance needs as a priority. Always researching the market and checking on best rates and plans before renewals are due. Making all other smaller items a breeze to request and receive. I highly recommend this group, you will not be disappointed, except for the amount of time you spend looking else where.
Davila P
San Jose, CA
5/5
My daughter was shopping for car insurance because the rates she was paying were through the roof. Because of the name of this agency, I thought they only quoted contractor insurance but come to find out they offer ALL TYPES of insurance! She contacted CSIA and spoke with an agent named Danielle. Danielle asked her all of the normal questions an agent would ask to include what coverages she currently had and how much she was paying. Danielle called my daughter back the same day and provided her several options, all of which were way better than the coverage she was currently getting from another company. The transaction was smooth, fast, professional, and efficient. Danielle ended up saving my daughter ~$100 mo AND got her MORE COVERAGE! I highly recommend calling this agency to see if they can beat what you're currently paying AND ask for Danielle; she was awesome!
Angela B
Santee, CA
5/5
Great customer service! Would definitely refer friends to Contractor Solutions...
Troy C
El Cajon, CA
5/5
Contractor Solutions is the best! I often need Certs at the last minute and they always come through for me. Every year when we renew they try to find the best coverage for the best price. Their customer service is above and beyond!
Debbie B
Chesapeake, VA
5/5
I was shopping for business liability and commercial auto insurance a little over a year ago. Renee and her team were helpful, explained everything to me, and even shopped around to make sure I was getting the best price when my renewal was due this last month. I am very happy with CSIA and would recommend them to my friends and colleagues. Thank you Renee!
Dee D
Berthoud, CO
5/5
Professional and efficient! Lindsey was an all star and got everything handled with accuracy and attention to detail. I was very impressed with the follow through and communication. Highly recommend!
Erin J
Lakeside, CA
Frequently Asked Questions About Workers' Compensation Insurance
At CSIA, we’re committed to helping you find the Workers Compensation Insurance you need. Below are some of the most common questions asked about this important coverage. If you cannot find the answer to your question here, please contact our expert insurance consultants by phone today at (619) 741-5118.
What is the difference between CSIA and other insurance agencies?
We are a small business insurance agency with an all-female staff based out of San Diego, California. We provide responses to requests within 24 hours and typically have same-day turnaround on certificates of insurance. All clients have direct access to their insurance agent and will not have to speak with a customer service representative who is unfamiliar with their specific policy needs.
Over the years, we’ve developed close relationships with many of our carriers, allowing us to negotiate better pricing for our clients. We prioritize coverage over pricing, meaning we will get you the best coverage for the best pricing available. We will not sell a workers’ compensation policy that provides no coverage to our clients just because it is inexpensive. We contact clients before every renewal to ensure they are quoted correctly for the upcoming policy term and answer any questions they may have. Businesses change and grow, we are here to insure that you protect your growing assets with the correct coverages based on your needs.
Do you provide free Workers' Compensation Insurance quotes?
Yes, all insurance quotes are free. There is no obligation to bind coverage or to provide a payment in order to receive a quote. With access to dozens of quick-rating products and underwriters who will expedite pricing, we can provide you with the policy that represents the best coverage at the best price. Call for your free contractor insurance quote today!
Can I cancel a workers’ compensation policy after I purchase it from you?
We can assist you with the cancellation of your workers’ compensation insurance policy if needed. You are under no obligation to remain with our agency after you’ve purchased a policy. However, most Workers’ Compensation carriers will apply a short-term cancellation fee if the policy is cancelled midterm. We recommend waiting until policy expiration to non-renew rather than cancelling coverage. We offer a wide range of insurance options and many contractors find having all of their lines of insurance appearing on one certificate of insurance makes life easier for them.
What do you charge for your services?
Most commercial insurance agents apply a broker fee to a quote, and our office is no exception. However, our fees are always reasonable and spelled out clearly in the terms of the quote. This fee represents the years of knowledge, time, and effort that go into shopping dozens of markets for the best price and coverage, as well as the annual servicing to include: assistance with claims, certificates, policy changes, renewal reviews, and more. There are also many types of policies where an additional fee is not applied, such as most personal lines insurance. We are confident you will agree our services are second to none – call us for a contractor insurance quote today!
As a contractor, what are the advantages of purchasing workers’ compensation insurance from CSIA, Inc.?
At our agency, we know everything about the forms and certifications required for different construction contracts. Many of our clients come to us needing urgent certificates of insurance for jobs they’re starting that day. We can typically get a certificate of insurance for them within 24 hours. All of our employees have 10 years of experience in the insurance industry helping the building and construction trades. When it comes to selling policies, we focus on coverage over rates to guarantee our clients are protected correctly.
How do I get a quote for my insurance needs?
Give us a call at (619) 741-5118 or fill out the online application here.
Request a Quote
Click the button below to complete an online application. You’ll receive a call from an Insurance Specialist the following business day
We Can Provide Quotes For:
General Liability Insurance, Contractor License Bond Insurance, Commercial Property Insurance, Commercial Auto Insurance, Tools/Equipment coverage, Builders Risk, Excess Liability, E&O, Special Events coverage, Health insurance, Homeowners/Renters Insurance, Personal Auto, RV, Watercraft/ATV, Motorcycle, Boats, and more.