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SB 1455 Compliance Checklist
Enter your CSLB license class and get a personalized insurance compliance checklist — including your exact deadline, what coverage you need, and estimated costs.
California contractors only · Updated for SB 1455 (Phase 2 deadline: January 1, 2028)
Step 1: Select Your CSLB License Class
SB 1455 Frequently Asked Questions
What is SB 1455?
SB 1455 extended the SB 216 Phase 2 workers' compensation deadline from January 1, 2026 to January 1, 2028. All CSLB contractors must carry workers' comp by January 1, 2028.
Which trades are covered by SB 216 Phase 1 (required NOW)?
Phase 1 (effective January 1, 2023) covers: C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing, and D-49 Tree Service. These trades must carry workers' comp immediately.
What is a ghost policy and does it satisfy SB 1455?
A ghost policy is a workers' compensation policy that covers only the business owner (sole proprietor) with no employees on payroll. Yes, it satisfies the SB 216/SB 1455 requirement at the lowest cost — typically Varies.
What happens if I don't comply with SB 1455 by the deadline?
CSLB will verify workers' comp coverage at license renewal. Failure to carry required WC will result in license suspension. Operating with a suspended license is a misdemeanor in California.
Can I get timely workers' comp coverage?
Yes. Asena Capital Insurance Services issues timely workers' comp policies and ghost policies for California contractors. Call (858) 925-9555 or get a quote online.