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Protect Your Team. Safeguard Your Business. Stay Compliant.
Workers’ Compensation Insurance in San Diego & Chula Vista
Even one workplace injury can impact your operations, finances, and team morale. Workers’ Compensation Insurance helps cover medical bills, lost wages, and legal risks — giving you and your employees the protection you both deserve.
With over 25 years of experience, Preferred Property & Casualty delivers tailored workers’ comp solutions that meet California compliance standards and support businesses when it matters most.
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What’s Covered
Trusted by Local Employers Across California
Medical Expenses for Injured Employees
Covers doctor visits, hospital bills, surgeries, rehab, and more—helping injured employees recover without financial stress.
Lost Wages Compensation
Replaces a portion of income while your employee is unable to work, supporting financial stability during recovery.
Disability & Ongoing Care
Offers compensation for temporary or permanent disabilities, including long-term treatments and home care services.
Death Benefits & Funeral Costs
Provides financial support to an employee’s family in the event of a workplace fatality, helping them navigate a difficult time.
Built for California Businesses with On-the-Job Risk
Smart Protection for Essential Roles
From roofing crews to warehouse teams and beyond, workers’ comp safeguards your most valuable asset—your people.
State Compliance, Simplified
We help you meet California’s legal requirements with policies tailored to your team size, industry, and risk level.
Expert Help. Local Knowledge. Trusted Carriers.
You’ll work with a local agency that knows workers’ comp requirements and shops top-rated carriers to find the right fit.
Common Questions
How much does Workers’ Comp cost?
Premiums depend on your business type, claims history, and total payroll. We compare multiple carriers to secure the best value.
Is this required in California?
Yes. California mandates coverage for any business with employees—whether full-time, part-time, or temporary.
What if I’m a contractor without employees?
Some contractors need workers’ comp for licensing or jobsite access, even without W-2 employees. We can guide you through your specific situation.
Let’s Get You Covered
We make insurance simple, fast, and personalized — so you can stay focused on what you do best.
Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support businesses in Oregon and Washington.
