If you have a business with at least one employee, you most likely need workers’ compensation insurance, also known as workers’ comp or work comp.
Workers’ Comp is “a form of insurance that provides wage replacement and medical benefits for employees who are injured in the course of employment, in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.” (Wikipedia)
Most workers’ comp renews on January 1st. We write a lot of worker’s comp in December of every year and have historically low prices for San Diego right now, but we can write the entire state of CA.