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888.727.9287
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insuresque.com
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888.727.9287
Talk to a licensed agent
wc3
Protect your team and your business
Workers' Compensation coverage helps respond to eligible workplace injuries and illnesses while supporting the people who keep your business moving.
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Standard coverages & limits
Every WC policy is built on the same foundation — protection that responds when an everyday risk becomes a claim.
Every WC policy is built on the same foundation — protection that responds when an everyday risk becomes a claim.
$1,000,000
Each Accident
$1,000,000
Disease – Each Employee
$1,000,000
Disease – Policy Limit
Annual premiums start from $500. Higher limits are available depending on risk profile.
Common endorsements & optional coverages

Standard WC policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.

Stop-Gap Liability
Covers employer liability claims excluded from workers’ compensation policies in certain monopolistic states.
Waiver of Subrogation
Prevents your insurer from pursuing a third party after paying a claim.
Increased Employer Liability Limits
Provides additional protection when workplace injury lawsuits exceed standard policy limits.
Other States Insurance
Extends workers’ compensation protection to eligible employees temporarily working across state lines.
Executive Officers or Partners Coverage
Extends workers’ compensation protection to eligible executive officers, partners, or owners who might otherwise be excluded.
Maritime or Longshore and Harbor Workers’ Comp.
Provides specialized benefits for eligible maritime workers; partners coverage protects qualifying business partners.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Business Type & Risk Level
Higher-risk industries and operations typically pay more for the same coverage limits.
Location & State Requirements
Local regulations, claim trends, and legal exposure vary significantly from state to state.
Claims History
Past claims signal future risk, often raising premiums for businesses with frequent losses.
Coverage Limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
Who needs workers' Compensation insurance?
Most businesses with employees are required to carry Workers’ Compensation insurance, depending on state law
Employers who hire subcontractors or independent contractors should verify their classification and insurance status, as they may have potential Workers’ Compensation exposure
Sole proprietors and owners without employees may not be required to carry coverage, but can often purchase it voluntarily for protection
Businesses with temporary or seasonal employees may also need Workers’ Compensation coverage
If you work with clients, customers, vendors, or public, this coverage is essential.
Compare quotes from multiple carriers.
How it works
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Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
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Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
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Obtain Your Coverage
Choose the plan that fits and get protected the same day.
                Coverage starts immediately
Western United Commercial Insurance Services  CA DOI License # 0D69147
1908 South El Camino Real, San Clemente, CA 92672
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