Workers' Compensation Insurance-Protect Your Team, Stay Compliant in California

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California Law-Why Every Employer Needs Workers' Comp

If you have even one employee-even part-time-California law requires you to carry workers' compensation insurance. Non-compliance can mean heavy fines or business shutdowns. Shaver Insurance helps Fontana and Inland Empire employers stay compliant, avoid penalties, and protect what matters most: your people.

What Does Workers' Comp Cover?

Workers' compensation covers medical expenses, rehab, and lost wages if an employee gets hurt or sick on the job. It also protects you-the employer-by including liability coverage if an employee or their family sues. For example:

 If your warehouse worker in Fontana injures their back lifting a box, or your office employee develops carpal tunnel, workers' comp pays for their treatment and lost income-so you don't bear the cost alone.

A No-Fault Safety Net-How It Works

Workers' comp is a no-fault system: employees receive benefits regardless of who caused the accident, and in return, they generally can't sue the employer. This gives your team security while protecting your business from lawsuits. If you're worried about fraud or claims handling, Shaver will guide you through every step.

Affordable Coverage & Cost Control

We know California workers' comp rates can be high. That's why Shaver shops both State Fund and private carriers to find the best rates for your industry-whether you're in construction, healthcare, manufacturing, or retail. We help with:


  • Employee classification
  • Experience mod reviews
  • Safety program advice
    Some clients have cut costs by 20%+ just by having Shaver review and correct payroll or policy details.
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Help With Claims, Paperwork, and Employee Support

Workplace injuries are stressful. Shaver Insurance assists with claims reporting, return-to-work planning, and answers for you and your employee-so your team gets care and your business stays on track. Need bilingual claims help? We'll connect you with adjusters who speak your team's language.

Act Now-Stay Compliant and Protect Your Business

If you don't have workers' comp yet, contact Shaver right away to avoid risk. If you already have a policy, let us review it-many business owners save money or improve service by switching.