Workers Comp Insurance
for Sacramento, CA Contractors
California Labor Code §3700 requires all Sacramento 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 Sacramento County.
Workers Comp Rates for Sacramento Contractors
WCIRB base rates per $100 of payroll for Sacramento 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 Sacramento 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 Sacramento Today
COI processing for Sacramento County contractors. SB 216 compliant.
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