Workers Comp Insurance
for Ontario, CA Contractors
California Labor Code §3700 requires all Ontario employers to carry workers compensation. SB 216 extended this requirement to sole proprietors in many trades. We shop multiple insurance markets to get you the coverage options based on your trade and payroll in San Bernardino County.
Workers Comp Rates for Ontario Contractors
WCIRB base rates per $100 of payroll for San Bernardino County contractors. Actual rates depend on your experience modification factor (EMR) and claims history.
| Trade / License | WCIRB Class Code | Rate per $100 Payroll |
|---|---|---|
| Roofing (C-39) | 5552/5553 | Pricing varies by classification, payroll, operations, claims history, limits, and underwriting |
| Electrical (C-10) | 5190 | $4.50 – $8.00 |
| Plumbing (C-36) | 5183 | $6.00 – $10.00 |
| HVAC (C-20) | 5183 | $5.50 – $9.00 |
| General Contractor (B) | 5403 | $8.00 – $14.00 |
| Concrete (C-8) | 5213 | $7.00 – $12.00 |
| Painting (C-33) | 5474 | $6.00 – $10.00 |
| Landscaping (C-27) | 0042 | $5.00 – $9.00 |
SB 216 Compliance for Ontario Contractors
Phase 1 — Effective Jan 1, 2023
C-8 Concrete, C-20 HVAC, C-22 Asbestos, C-39 Roofing, and D-49 Tree Service contractors must carry WC even with no employees.
Phase 2 — Effective Jan 1, 2028
All remaining CSLB license classifications will be required to carry workers comp (SB 1455 extended the original 2026 deadline).
Ghost Policy Option
Sole proprietors with no employees can satisfy SB 216 with an owner-excluded ghost policy — typically $800–Varies.
Frequently Asked Questions
Get Workers Comp Insurance in Ontario Today
COI processing for San Bernardino County contractors. SB 216 compliant.
All CA Workers Comp → · Ghost Policy · General Liability
Local answers
Ontario contractor insurance FAQs
Search questions about local contracts, CSLB and bond topics, vehicles, claims information, and coverage review preparation.
What should Ontario contractors prepare for a coverage review?
Prepare your CSLB classification, description of warehouse, logistics, residential, and commercial work, employee and subcontractor information, vehicles, prior coverage, claims history, and any certificate or contract requirements. A review should reflect the work actually performed in the Inland Empire.
Which coverages are commonly discussed by Ontario contractors?
The discussion may include General Liability, Workers Compensation when applicable, Commercial Auto for business vehicles, contractor license bonds, and tools or equipment coverage. Project-specific work may also require builders risk, pollution, inland marine, or excess liability review.
Do Ontario contractors need a certificate of insurance?
Many general contractors, property managers, and commercial customers request a certificate before work begins. The certificate should be checked against the actual contract and policy endorsements; it is evidence of insurance and does not replace the policy.
How can a Ontario contractor avoid an incomplete quote request?
Describe the trade, payroll or employee duties, vehicles, project types, service territory, subcontractor controls, and prior losses accurately. Do not enter unnecessary sensitive personal information in a public form, and expect final eligibility and terms to depend on underwriting.