Nadler Insurance — Since 1927

Workers Compensation Insurance in San Carlos, CA

California work comp coverage from an independent San Carlos broker serving San Mateo County and the Peninsula since 1927. State law requires it — we make sure you're covered correctly and help you manage costs through smart classifications and safety strategies.

What Workers Comp Covers

Medical Benefits

Covers all reasonable and necessary medical treatment for work-related injuries and illnesses — doctor visits, surgery, medication, physical therapy, and more.

Temporary Disability

Replaces a portion of lost wages while an employee recovers from a work injury. Typically about two-thirds of the employee's average weekly wage.

Permanent Disability

Provides compensation if an employee has lasting impairment from a work injury. The amount depends on the severity of the disability.

Death Benefits

Provides benefits to dependents if an employee dies from a work-related injury or illness. Includes burial expenses.

Vocational Rehabilitation

Covers retraining and job placement assistance if an injured employee can't return to their previous position.

Employer's Liability

Protects employers against lawsuits from injured employees in certain circumstances. Covers legal defense costs and settlements.

Workers Comp for Businesses in San Carlos and the Peninsula

Nadler Insurance writes workers compensation policies for businesses across San Mateo County and the Peninsula. From our San Carlos office at 1560 Laurel Street, we serve employers in Belmont, Redwood City, San Mateo, Burlingame, Foster City, Millbrae, South San Francisco, San Bruno, Half Moon Bay, Atherton, and Menlo Park, plus San Francisco and Santa Clara County.

California has the highest workers comp premiums in the country, and Bay Area class codes — particularly construction, restaurants, and on-site tech services — sit at the top of that range. The biggest savings usually come from getting your classification codes right, controlling your experience modification (X-mod) through claims management, and choosing the right carrier for your size and industry. We shop the State Compensation Insurance Fund (State Fund) alongside Travelers, The Hartford, AmTrust, and other California workers comp markets to find the right fit.

California Workers Comp Requirements

  • All employers with employees must carry workers comp — even with just one part-time worker.
  • Post the required notice. Display the "Notice to Employees" poster where all employees can see it.
  • Provide claim forms promptly. You must give injured employees a claim form (DWC-1) within one working day.
  • Report injuries to your carrier as soon as possible — delays can complicate claims.

Frequently Asked Questions

Is workers comp required in California?
Yes. California requires all employers with one or more employees to carry workers compensation insurance. This includes part-time employees, family members, and in most cases, corporate officers. Sole proprietors without employees are generally exempt but can elect coverage.
What happens if I don't have workers comp?
Operating without workers comp in California is a criminal offense. Penalties include fines up to $100,000, potential jail time, and personal liability for any employee injuries. The state can also issue stop-work orders.
How is workers comp premium calculated?
Premiums are based on your payroll, industry classification codes, and experience modification rate (X-mod). High-risk industries pay more. Your claims history directly affects your X-mod — fewer claims mean lower premiums.
What should I do if an employee is injured?
Provide immediate first aid, then give the employee a claim form (DWC-1) within one working day. Report the injury to your insurance carrier promptly. Document everything and cooperate with the claims process. Call us if you have questions.
Can I reduce my workers comp costs?
Yes. Focus on workplace safety to prevent injuries, return injured workers to light duty quickly, and work to improve your experience modification rate. We can also shop your coverage across carriers to find competitive pricing.
Does Nadler Insurance write workers comp in San Carlos and the Bay Area?
Yes. Nadler Insurance writes California workers compensation policies for businesses in San Carlos, Belmont, Redwood City, San Mateo, Burlingame, Foster City, Millbrae, San Bruno, South San Francisco, Half Moon Bay, Atherton, Menlo Park, and the rest of San Mateo County, as well as San Francisco and the broader Bay Area. Our office is at 1560 Laurel Street in San Carlos, CA 94070.
Why is California workers comp more expensive than other states?
California consistently has among the highest workers compensation premiums in the country. The drivers include broad benefit eligibility, higher medical and indemnity costs, an active litigation environment, and high-cost class codes for construction, restaurants, and on-site service work — all common Bay Area industries. The biggest controllable lever is your experience modification factor (X-mod), which an independent broker can help you manage through carrier shopping, classification audits, and claims oversight.
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