Citrus Heights · Sacramento County
Workers' Comp in Citrus Heights, CA
If your crew works in Citrus Heights, California law requires workers' comp the moment you have one employee, and some trades need it with none. Roofers and HVAC contractors, two trades older Citrus Heights homes keep busy, can't file the CSLB exemption at all. We shop your workers' comp across carriers and keep your filing current.
Built for how Sacramento County contractors work
Reroofs and HVAC change-outs make up a big share of the work in a city full of 1950s-to-1980s homes, and both trades fall under the CSLB's no-exemption rule. C-39 roofers have been required to carry workers' comp for years, and since January 1, 2023, C-20 HVAC contractors must carry it whether or not they have employees. Electricians and plumbers doing panel swaps and repipes can still file the exemption today, but every active license needs coverage by January 1, 2028. We'll tell you exactly where your license stands and get it compliant.
We verify your class codes are right (misclassification is the #1 cause of overpaying), shop the policy across carriers that want California contractor business, and keep your CSLB filing current — so the board, your GC, and your crew are all covered.
Full workers' comp coverage guideWhat it covers
- Medical treatment for work-related injuries and illness
- Temporary and permanent disability benefits
- Lost-wage replacement while your employee recovers
- Employer's liability protection if you're sued over an injury
- CSLB compliance — certificates filed the way the board wants them
Workers' Comp in Citrus Heights — local FAQs
Yes. Under SB 216, C-20 HVAC licensees have had to carry workers' comp since January 1, 2023, even with no employees, and they can't file the CSLB exemption. The same rule covers C-8 concrete, C-22 asbestos abatement, D-49 tree service, and C-39 roofing. If you're a C-20 and your license still shows an exemption on file, that needs fixing before it turns into a suspension. We can quote a solo-operator policy, bind it, and get the certificate filed with the CSLB so you stay licensed and working.
Two things. Because your helper is on payroll, you need workers' comp now, regardless of any exemption. And under Labor Code 108, anyone performing electrical work for a C-10 contractor has to be a DIR-certified electrician or a registered trainee or apprentice, so make sure your helper's status matches the work they actually do. Classification matters for the premium too, since field and clerical payroll rate very differently. We'll set up the policy, check the class codes, and keep your CSLB certificate on file.
Today, a C-36 plumber with no employees can still file the CSLB workers' comp exemption. That ends on January 1, 2028, when every active CSLB license needs workers' comp regardless of headcount. The catch is that the day you hire anyone, even part-time help on a big repipe in an older Citrus Heights house, the exemption no longer fits and coverage is required immediately. Many GCs also want their subs covered now. We'll quote it early so the 2028 deadline is a formality, not a scramble.
Quote workers' comp with a Citrus Heights agent.
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