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California Workers' Compensation Requirements
At a glance
The details
SB 216 phase-in: as of 2026 all licensed contractors must carry WC even with zero employees. Household/domestic employees covered if HH wage threshold exceeded.
FAQ
Do I need workers' compensation in California?
Yes — California requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in California?
Licensed contractors must carry coverage even with zero employees (SB 216 phase-in).
What if I don't carry required coverage in California?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for California's current enforcement posture.
Official source: CA Department of Industrial Relations - Division of Workers' Compensation · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules