Add Row 
Add 
If you're a contractor in California and you're still using State Fund for your Workers’ Compensation insurance—you’re probably overpaying. Like, seriously overpaying. The good news? You’re not stuck with it. In fact, 95% of contractors who switch from State Fund through Cal Commercial Insurance cut their premiums by 50% or more.
Let’s break down why—and how you can do the same.
💸 Why State Fund Costs So Much for Contractors
The California State Compensation Insurance Fund (State Fund) is a publicly funded option for Workers’ Comp. It’s often marketed as a “safe bet” for contractors, especially new businesses or high-risk trades.
But there’s a catch: State Fund policies tend to be overpriced, rigid, and one-size-fits-all. They’re not tailored for contractors who are running lean operations or who’ve built up a good claims history.
Here’s why their rates are high:
They don’t compete on price like private insurers do.
Their pricing models are more conservative, often assuming higher risk.
They don’t reward safe practices or low claims with discounts the way private carriers do.
🔍 Real Talk: What Contractors Are Really Paying
Let’s say a small general contractor has a $70,000 payroll. With State Fund, their premium might be over $14,000/year. With a specialized private carrier through Cal Commercial Insurance, that same contractor could pay as little as $6,500.
That’s $7,500+ in annual savings—just for switching.
🛠️ Who Can Save (Hint: Probably You)
We help all types of contractors across California, including:
General Contractors
Electricians
Plumbers
Drywallers
Landscapers
Concrete Contractors
HVAC Technicians
Painters
Framing Contractors
Even if you think your trade is “high-risk,” there’s better rate waiting if your annual workers comp premium is over $50,000 annually. Especially if you’ve had few or no claims.
✅ How We Cut Costs—Without Cutting Coverage
At Cal Commercial Insurance, we work exclusively with contractors. We’re not generalists. We know the carriers, the classifications, and the hidden discounts that others miss.
Here’s how we reduce your Workers’ Comp cost:
Reclassify your work codes (if needed) to make sure you're not overpaying due to misclassification.
Shop multiple private carriers who actively compete for California construction policies.
Negotiate discounts for claim-free histories, safety programs, or bundled coverage.
Move you off State Fund fast with no gap in coverage.
🧠 Why Waiting Costs You Money
Every year you delay switching, you’re handing money to a system that doesn’t reward your safety record, your efficiency, or your loyalty.
And here's the kicker: Most of our clients are able to switch mid-policy term without penalty—so you're not locked in.
💥 Ready to Save? Here’s What to Do Next:
If you're a licensed contractor in California and you're using the State Fund, here's how to cut your Workers' Comp premium in half:
Call or Text us at (949) 749-7044
Or get a fast quote at calcommercialinsurance.com
Answer a few questions, and we'll have a no-obligation quote ready fast
👷 You Build. We Protect.
Cal Commercial Insurance has helped hundreds of contractors across California drop State Fund and slash their premiums in half. Let us do the same for you—without compromising coverage, compliance, or peace of mind.
* Cal Commercial Insurance is an independent insurance agency specialized and represents construction contractor clients and is not affiliated with, endorsed by, or sponsored by the California State Fund or any state-funded program.
🚀 Switch smart. Save big. Stay covered.
Write A Comment