Terms & Disclosures
Last updated: September 26, 2026
Illustrative estimator only
10 Second Quotes provides an educational, illustrative estimate of possible California workers’ compensation insurance cost using public rate information and simplified product assumptions. The displayed amount is not an insurance quote, premium offer, binder, policy, application, underwriting decision or guarantee of availability.
No coverage is created
Using this site, receiving an estimate or submitting your contact information does not create insurance coverage. Only an authorized insurer or properly authorized insurance professional can determine eligibility, provide an actual quote or bind coverage under its applicable procedures.
Actual prices can differ substantially
Actual premium can differ substantially from the displayed estimate based on classification, payroll, loss history, experience modification, insurer rating plans, underwriting, location, eligibility, minimum premiums, fees, assessments and other factors. The simplified claims-history factor used by this site is a 10 Second Quotes assumption and is not an official experience modification or insurer-filed rating factor.
Public information and methodology
The estimator uses publicly available California Department of Insurance rate-comparison information as described on our methodology page. 10 Second Quotes is not affiliated with or endorsed by the California Department of Insurance or WCIRB.
Insurance follow-up
If you submit the contact form and affirmatively consent, your information may be provided to one or more insurance providers, agencies or referral partners so they may contact you about workers’ compensation insurance. We may receive compensation in connection with referrals. You are not required to purchase insurance from anyone who contacts you.
No professional advice
Information on this site is general information and is not legal, tax, accounting, actuarial or insurance advice. You should evaluate actual insurance options based on the terms supplied by the insurer or insurance professional.
Availability and accuracy
We try to keep information useful and current, but data, rates and site functionality may change, contain errors or become unavailable. To the extent permitted by law, the site is provided without guarantees regarding accuracy, completeness or uninterrupted availability.
Privacy
See our Privacy Policy for information about data collection, use and sharing.