{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"California Workers’ Comp Costs Just Jumped: Here’s What Employers Miss","html":"","width":"100%","height":180,"duration":1196,"description":"California employers are facing a workers’ comp rate increase, but the real risk is treating it as just a routine bump. Aaron Bollinger breaks down the 6.6% advisory increase, the average pure premium rate, and the factors that can push costs higher, or help businesses manage them.\n\nIf you run payroll, manage a team, or work in a higher-risk class code such as roofing or plumbing, this episode offers practical guidance. Aaron explains why a 1099 form does not automatically make someone an independent contractor, how an experience modification rate (X mod) affects pricing, and why a workplace injury can cost a business more than the claim itself.\n\nYou’ll learn:\nWhat the California workers’ comp rate increase means for employers\nHow payroll estimates, class codes, and audits affect renewals\nWhy a zero-claims mindset can help protect your rate and market options\nHow claims can affect eligibility, credits, and future quotes\nWhat employers should understand about contractor status and coverage\nAaron also discusses choosing a broker, comparing carriers, and why claims handling and carrier relationships can matter alongside the premium. He shares how classification, payroll reporting, and contractor-status mistakes can lead to costly surprises.\n\nThis episode is essential listening for California employers who want to understand their workers’ compensation coverage, manage risk, and make more informed decisions about costs.\n\nSpeaking of Insurance is hosted by Aaron Bollinger and Brian Bollinger of Bollinsure Insurance Services.\n\nLearn more or request an insurance review:\nBollinsure Insurance Services\n562-268-9355\nquotes@bollinsure.com\nCalifornia Insurance License #6013787","thumbnail_url":"https://img.transistorcdn.com/dHECMWMH7UdDMxVCK6uZsLMFIjvUnSx75gpYwTfdThI/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9jZjYx/ZjA4ZDliODU5MjE5/ZmNkNjc2MGIxNjU1/YmJlYi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}