Do I need to carry workers compensation insurance?

If you have an employee, even a day labor guy, the answer is YES.

"All licenses on active status, and all applicants for issuance of the license, must file evidence of workers' compensation or exemption from the requirements. The Certificate of Workers' Compensation Insurance is provided by the workers' compensation insurer. A certificate of consent to self-insure is secured from the Director of Industrial Relations. If the license is on inactive status with the board, the certificate does not have to be filed. Contractors who do not hire employees and who are exempt from this requirement should file the "Exemption from Workers' Compensation".
Contractors State License Board - 8/2009


If you fail to file either a certificate of insurance or the exemption form with the CSLB, your license may be suspended.

As a free service to my clients, we will file your certificate of insurance with the CSLB once your policy has been activated.