Low Cost Workers Comp for California Gas Stations

Low Cost Workers Comp for California Gas Stations

In California, Gas Stations with employees are required to carry Workers Comp. Workers Comp rates can vary significantly depending on several important factors. We will explain what you can do to get a good Workers Comp policy for the lowest cost possible.

Low Cost Workers Comp for Gas Stations – Employee Types

Many Gas Stations have several different types of employees, including gasoline/convenience store attendants, clerical employees, and smog/auto repair employees. Depending on these employees duties, they may be eligible to be classified separately. Separately classifying employees may make a big difference in your bottom line as different classifications can have substantially different rates. Even minor changes to employee classifications can affect the premium dramatically.

Low Cost Workers Comp for Gas Stations – Safety Program

Implementing a formal safety program can go a long way in getting low cost Workers Comp and there are several reasons for this. First, having a formal safety program can help bring down the frequency and size of claims. Having minimal to no claims will help substantially in getting the best Workers Comp rates. In addition, many carriers offer additional discounts and/or credits to Gas Stations that have a formal safety program.

Low Cost Workers Comp for Gas Stations – Shopping Workers Comp

One of the most effective ways of assuring you are getting the lowest cost Workers Comp is shopping your Workers Comp annually. This is because Workers Comp carriers rates are always changing. A Workers Comp carrier that may have had high rates the year before may have the most competitive the next year. In addition, Workers Comp carriers’ underwriting guidelines are always changing. You may be able to get a great low cost Workers Comp policy this year that didn’t even write Gas Stations the year before.

If you would like to learn more about obtaining Low Cost Workers Comp for your California Gas Station, give us a ring! You can reach us at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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