The top-rated workers' compensation insurance agent in San Ramon, California is Farmers Insurance - Gail Mirchandani, rated 5.0 stars across 92 reviews. Other highly rated options include Onstad's Insurance Agency, Roger Fernando - State Farm Insurance Agent, A.J. Franco at Comparion Insurance Agency. This directory lists 19 workers' compensation insurance agents serving San Ramon.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Gail Mirchandani | 3150 Crow Canyon Pl Ste 100 | (925) 244-1300 |
| 2 | Onstad's Insurance Agency | 3130 Crow Canyon Pl Suite 425 | (925) 866-1444 |
| 3 | Roger Fernando - State Farm Insurance Agent | 2200 Camino Ramon | (925) 244-1700 |
| 4 | A.J. Franco at Comparion Insurance Agency | 2603 Camino Ramon Ste 210 | (925) 659-0419 |
| 5 | James H Foster Jr - State Farm Insurance Agent | 2819 Crow Canyon Rd #102 | (925) 820-1100 |
| 6 | The BFIS | The Brighton Financial and Insurance Services | 2258 Camino Ramon | (888) 412-7630 |
| 7 | Guardian Insurance Agency LLC | 2206 Camino Ramon | — |
| 8 | Michael Smith Insurance Solutions | 2010 Crow Canyon Pl #100 | (925) 683-9743 |
| 9 | Trouette Insurance | 2415 San Ramon Valley Blvd STE 4-415 | (925) 327-1020 |
| 10 | One Risk Group LLC | 2000 Crow Canyon Pl suite 160 | (925) 226-7350 |
Farmers Insurance - Gail Mirchandani provides a range of workers’ compensation insurance services to local businesses in San Ramon, California. The agency offers coverage solutions designed to protect employers from liabilities related to workplace injuries and lost wages. Ongoing policy maintenance includes access to claims reporting procedures and risk management support tailored to operational needs. This agent serves various commercial property types, including single-family homes, apartments, retail establishments, and restaurants requiring coverage for their employed staff.
Onstad's Insurance Agency serves the San Ramon, California metro area as a workers' compensation insurance agent. It assists local businesses in securing coverage that meets state-mandated requirements and protects against workplace injury claims. The agency helps clients understand policy options suitable for their industry and payroll size. It specifically handles experience modification rating reviews and premium audit support for businesses in the region.
Serving local business owners, property managers, and self-employed contractors in San Ramon, this agency provides workers' compensation insurance coverage. Roger Fernando, as a State Farm agent, helps clients coordinate policies that address California's specific workplace injury regulations. The office assists with policy reviews, claims reporting, and premium audits for area employers. Its services also reach small businesses in the neighboring communities of Danville and Alamo.
A.J. Franco at Comparion Insurance Agency serves San Ramon and the surrounding East Bay communities of the San Francisco area. The company handles workers' compensation insurance policies for local businesses, which help cover medical expenses and lost wages for employees injured on the job. These policies comply with California’s mandatory coverage requirements for nearly all employers. A.J. Franco approaches a typical job by first reviewing the business’s payroll, operations, and safety record, then researching available carriers to present policy options tailored to that specific risk level.
At James H. Foster Jr. – State Farm Insurance Agent in San Ramon, CA, workers' compensation policies are typically acquired as annual policies to cover ongoing employee injury risks, rather than as one-time event coverage. These plans provide medical and wage replacement benefits for work-related illnesses or injuries. Both temporary and permanent disability protection is included as standard features. Service appointments operate strictly on an as-needed basis, with customers scheduling individual meetings to adjust coverage limits or file claims.
As local businesses face the seasonal uptick in hiring and the complexity of California’s workers’ compensation requirements, The BFIS | The Brighton Financial and Insurance Services in San Ramon assists employers with tailored coverage solutions. The agency helps clients navigate classification codes and premium audits, ensuring compliance with regional safety standards. Every new policy begins with a thorough review of the company’s payroll and injury history. An onsite or virtual inspection of the workplace follows to verify safety protocols and loss-control measures.
Michael Smith Insurance Solutions, located in San Ramon, California, is known for helping local businesses secure workers’ compensation coverage. The company advises clients on policy options that meet legal obligations and protect against workplace injury claims. It assists with classification codes, premium audits, and claim management referrals. Services also include tailoring coverage for small- to mid-sized firms navigating California’s regulatory requirements. As a specialty add-on, the agency can coordinate return-to-work programs to help injured employees resume duties efficiently.
Trouette Insurance provides workers’ compensation coverage for employers, serving as an agent in San Ramon, CA. The firm assists businesses in securing policies that meet California’s regulatory requirements, including occupational injury and illness protection. It offers tailored add-ons such as experience modification review and claims management support to help control costs. The agency can serve commercial sectors including offices, warehouses, and food service establishments.
One Risk Group LLC provides workers’ compensation insurance to residential clients in San Ramon, California, ensuring coverage for employee injuries on private properties. The agency also serves commercial businesses, offering policies tailored to local workplace risks throughout the broader Bay Area. Their process includes evaluating payroll classifications and claims history to match each client with appropriate carriers. After an initial policy is placed, they follow up promptly to adjust coverage as businesses grow, and provide repeat service between regular renewal visits to address any mid-year changes or incidents.
What Does a a Workers' Compensation Insurance Agent in San Ramon Cost?
Typical workers compensation insurance costs in California range from 0.50 to 2.00 dollars per 100 dollars of payroll for low-risk office jobs, and up to 20 dollars or more per 100 dollars for high-risk construction work. The average California employer pays about 1.50 dollars per 100 dollars of payroll. Your specific rate depends on your industry, claims history, and location. This is general information and not insurance advice.
About workers' compensation insurance agents in San Ramon
Workers compensation insurance agents in San Ramon help local businesses meet California legal requirements for employee injury coverage. California law requires nearly all employers to carry workers comp insurance, even for part-time workers. An agent can guide you through policy options and help ensure compliance with state regulations.
Frequently Asked Questions
Do I need workers compensation insurance in San Ramon California
Yes, California Labor Code Section 3700 requires all employers with at least one employee to carry workers compensation insurance. This includes part-time and seasonal workers. Failure to have coverage can result in fines and stop-work orders.
How does a workers compensation insurance agent help my business
An agent can review your business operations and payroll to find a policy that fits your needs. They can also explain California-specific rules, such as the minimum benefit amounts and the requirement to post a notice of coverage in the workplace.
What factors affect workers comp insurance costs in San Ramon
Costs are based on your business classification code, payroll size, and claims history. California uses a competitive rating system, so rates vary by insurer. An agent can help you compare quotes and identify safety programs that may lower your premium.
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