Workers Compensation

Workers Compensation in California with ISE Insurance Services

Proudly serving you face to face from Redding to Sacramento, San Francisco to San Jose, Oakland to Stockton / Modesto, Fresno to Bakersfield, and from Orange County to San Diego – well basically… the whole state

Workers Compensation is a type of policy that is required in California, (and most other states as well), that protects both Employers and Employees in the event of a work related injury.

In very general terms:
Employee Protection - Workers Compensation provides for medical costs (Doctors, hospitals, prescriptions etc) and lost wages / disability payments.

Employer Protection - Workers Compensation protects businesses from LIABILITY for work related injuries their employees may suffer on the job
 - this includes legal defense and damages. 


Workers Compensation coverage in California is almost identical from carrier to carrier - the only real differences are price, Service, and payment
plans.  Additionally, there are literally thousands of Insurance Agents that write Work Comp in California and there IS a difference.


So, WHY ISE?

Because we do California Workers Compensation better.  We work hard to get you the lowest possible workers compensation  rates - this year and every year. And, we match you with a carrier that fits your service and payment needs.
With hundreds of carriers to choose from - how does ISE do that?


Our Process:

We utilize a combination of technology, market knowledge, and, (through Professional Insurance Associates world class marketing department), access to virtually every insurance carrier that writes Workers Compensation in California

We start by taking your specific account criteria (Industry, payroll size, location, current X-mod, claims history, current carrier) and then we run that through software that searches EVERY Workers Comp carrier in the state looking for the lowest possible rates for your particular business.

Then we submit individually prepared (knowing the carriers preferences) applications to the top 5-~15 or so carriers that might possibly give us the lowest rates.  

As the quotes come back in - we negotiate with each one to press for more credits for you and the lowest possible rate for each carrier.

The Proposal:  We assemble all the data for you to look at in summary form - so you can see what each carrier has offered YOUR  specific business -  and we break down NET rates by class code, deposits required and payment plans, by carrier, so that you can make the best decision for your business.

After you become our customer:

We deliver each new and renewal policy in an organized binder with Claims, Service, and Loss Prevention contacts easily located. ISE also has a dedicated Loss prevention / Claims manager (Former insurance company underwriter and CA Department of Insurance Fraud Investigator) to help you mitigate losses, reduce claims expenses / reserves and keep your long term costs under control. Additionally, we have software that can closely estimate your future X-mod a year in advance to assist you in your long term expense planning.

The Result:

At new business and renewals ISE Insurance Services brings your specific business the lowest possible workers compensation rates with the best possible service.

We bring you more choices, more options - better results for you - Just simply, we do workers comp better.


Click  the quote form above to get your quote today - no obligation  - just fast, professional service that you can depend on.