What should I prepare for a workers compensation quote?
Prepare the employing entity, each employee’s work state, payroll, job duties, and expected hiring dates.[2]
California requires workers compensation for employers with one employee and its agency notes circumstances that may affect out-of-state employers with California workers. This is California-specific; check the rules where all employees work.[2]
Ask how the carrier wants classifications and payroll changes reported, including when a placement or staffing arrangement changes who employs or supervises the worker.[3]
Read the Job and Career Services Insurance Buying Guide
Sources and Further Reading
- Coverage of Employment Agencies — U.S. Equal Employment Opportunity Commission. Agency referral prohibitions and deciding coverage, lines 14–19
EEOC guidance on employment-agency coverage and referral practices.
- Employer information — California Department of Industrial Relations, Division of Workers’ Compensation. Opening section: California employer rule and out-of-state employer paragraph
Employer information; use for the scoped operational question described in the cited guidance.
- Commercial Insurance Guide — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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