Workers Compensation
Is Worker's Compensation Compulsory? ....Yes
Are Waivers Permitted? .... No
Numerical Exceptions? .... None
Quick response: Richter-Robb Pacific Insurance Services, Inc. can give quick quotes for Worker's Compensation insurance and connect you to the right representation for businesses large and small.
Competitive Quotes
Because of Richter-Robb's experience and reputation in the industry, we can be very competitive in the worker's comp market.
We service over 2,700 brokers and we are an authorize broker for many quality insurance institutions.
Your Exposure to Claims
An employee is automatically entitled to receive certain benefits when he/she suffers an occupational disease or accidental injury during or due to employment. Such benefits may include:
- Cash or wage-loss benefits
- Medical and career rehabilitation benefits
- In the case of accidental death, benefits to dependents
Workers Comp Forms
- WC New Venture Questionnaire
- New Business, Existing Business with No Workers Comp in force or Hiring Employees for the first time.
- WC 2012 Supplemental Application
- All Submissions (New, Renewal, Discontinued or Cancelled)
- WC Health Care Supplemental
- WC CA State Fund Supplemental
- WC Glossary of Terms
ACORD FORMS
Insurance Requirements
Some form of workers compensation is required by law in every state. You cannot legally hire a work force without providing them with workers comp insurance.
How To:
1) A fully completed Acord 130 is required for all submissions.
- A completed sample of an Acord 130 is located in the ACORD FORMS section below, so that you know exactly what information we need.
- Need help determining what class code should be used? You can find Workers' Compensation Codes on the Workers' Comp Insurance Rating Bureau's website at www.WCIRB.org (under the Helpful Information link, then Classification Information) or you can call the WCIRB at (888) 229-2472 and speak to a customer service representative who can help you determine the appropriate class code.
2) If the applicant currently has work comp in force or has had a lapse in coverage for less than one year, we will need 3-5 years (less if they have only had work comp for a few years) of currently valued loss runs. Loss runs must be valued within 90 days of the proposed effective date.
3) Each submission should include either the WC Supplemental App or the WC New Venture Questionnaire (if new in business OR hiring employees for the first time they are considered a New Venture).
4) Have a question about a particular class code and if we have a market? Send an email with the class code(s) and we can let you know.
Completed submissions can be emailed to either or if you would prefer you may fax to 877-858-1955.
When an employee suffers a work related injury or illness, workers compensations insurance steps in to provide benefits based on the type of illness or injury sustained. Workers compensation is based on a no-fault system, which means that an injured employee does not need to prove that the injury or illness was someone else's fault in order to receive workers compensation benefits for an on-the-job injury or illness. As a California employer you are required under California Labor Code Section 3700 to provide workers compensation benefits for your employees.
A worker whose injury is covered by workers compensation loses the common-law right to sue his/her employer for that injury. However, injured workers may still sue third parties whose negligence contributed to the work injury. Many jurisdictions permit employers or insurers to sue negligent third parties on their employee's behalf in order to recover funds paid as workers compensation benefits. Whether the employee or employer is at fault for the injury is usually inconsequential, as the sole goal of workers compensation is to return the injured employee quickly and economically to productivity.