
Workers’ Compensation
Workers’ compensation insurance provides medical coverage and wage replacement benefits to employees injured or ill due to their job. It’s mandatory for most businesses in California, protecting employers from lawsuits and helping employees recover.
Why Workers’ Compensation Matters in California
Compliance with State Laws
Ensures Legal Compliance
Adhering to workers’ compensation laws helps your business avoid fines, penalties, and legal challenges. With coverage in place, you can focus on running your California business without the worry of non-compliance.
Protects Your Employees
In the event of work-related injuries or illnesses, workers’ compensation ensures your employees have access to medical care and wage replacement, helping them recover and return to work.
Safeguards Your Business
Workers’ compensation shields employers in California from costly lawsuits that can arise from workplace injuries, providing peace of mind and financial stability.
Protect Your Business in California
Ensure your business is fully covered with workers’ compensation insurance tailored to your needs.

Workers’ Compensation Benefits
What It Covers
- Medical Expenses: Covers treatment for workplace injuries or illnesses.
- Lost Wages: Replaces income during recovery periods.
- Legal Protection: Shields employers from employee injury lawsuits.
Meet Robert J. Kelly, CAWC
Your Expert in Commercial Insurance

Client Services
Customized Insurance for Every Need
From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.