Workers Compensation

    Business Insurance

The Bozzuto Insurance Services team is very knowledgeable and experienced on California Worker's Compensation. We can help your business properly manage this ongoing coverage at reasonable rates. We have been successfully providing this coverage for over thirty years.

CBIA

Worker's Compensation

Wrap / OCIP / CCIP coverage

Umbrella / Excess Liability

Property and Equipment

Commercial Auto

Professional Liability

Directors and Officers Liability

Commercial Earthquake

Fidelity and Fiduciary

Pollution Coverage

Business Continuation

Employee Benefits including Group Health

Construction Surety

Commercial Surety

Risk Management

Claims Management

     Serving California major metropolitan areas with state required
       Workers Compensation insurance - San Francisco Bay Area
            including San Jose, Los Angeles, San Diego and more.

Bozzuto Insurance Services
Corporate Office
1 Almaden Blvd, Suite 810
Downtown San Jose, CA 95113

Members or Officer of the following Organizations : 

What is Worker's Compensation ?
State Workers' Compensation laws provide money and medical benefits to an employee who has an on-the-job injury as a result of an accident or occupational disease. Workers' compensation is designed to protect workers and their dependents against the hardships from injury or death arising out of the work environment. It is intended to benefit the employee and employer alike. The employee receives money (usually on a weekly or biweekly basis) and medical benefits in exchange for forfeiting the common law right to sue the employer. The employer benefits by receiving immunity from court actions against them by the employee in exchange for accepting liability that is limited and determined. The question of negligence or fault is usually not at issue.

Coverage in the State of California
California employers are required by State law to have workers' compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers' compensation benefits. Workers' comp insurance provides six basic benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits or vocational rehabilitation and death benefits.

What determines your premiums ?
A number of factors go into determining the annual premium your insurance carrier will charge. These include your industry classification, your company's past history of work related injuries (known as your experience modification), your payroll, any special underwriting adjustments such as use of a certified health care organization, and any eligible special group or dividend programs.

Why is your Experience Modification rating important ?
Simply speaking your Experience Modification Rating compares your workers' compensation claims experience to other companies similar in size who operate in the same industry.

Understanding your Experience Modification Rating (Experience Mod/X-Mod/E-Mod) and monitoring it regularly, plays a major role in reducing your Workers' Compensation costs. It is also an excellent way to measure how your loss prevention and control practices match up to other companies in your industry.

    Are you paying too much ?
     Estimates indicate over
     50% of California business
     are overpaying.

 We can help your Business:
  - Free WC review !
  - High Experience Mod rating ?
  - Hard to place Risks and
     Class Codes ?
  - Need larger Deductible Plan ?

Bozzuto Insurance Services offers competitive rates for Workers Compensation Insurance for companies throughout California.