Workers Compensation

Beach & O'Neill Insurance Associates is one of the largest workers' compensation brokerage firms in Northern California.  We represent leading workers' compensation carriers in CA and NV including many of the most preferred markets in the industry.  In addition to our standard market offerings, we also represent the State Fund and alternative markets like Professional Employer Organizations (PEO's).  We can assist you in understanding the differences between standard carrier workers' compensation offerings and products marketed regionally and nationally by alternative markets like PEO's.  A PEO is generally a provider that bundles workers' compensation, employment taxes, payroll and human resources together on a "pay as you go" basis, whereas the traditional guaranteed cost market includes carriers that offer workers' compenation insurance, but allow you to use your own inhouse payroll providers, pay your own payroll taxes and handle your own human resource functions. 


Special WC Programs for Contractors Including Roofing and Framing

Beach and O'Neill Insurance Associates represents some of the largest and highest quality direct workers' compensation markets in California and Nevada for trade and general contracting exposures.  We also do business with several specialty WC progams for artisan contractors and general contractors that are semi-exclusive to our firm.   These unique and special programs write only contractors and offer guaranteed rates that are oftentimes the best in the industry.

If you are a framing contractor or roofing contractor, please contact us regarding our special WC program access. The progam we represent is guaranteed cost, does not require that you transfer your payroll service, and is with one of the highest quality carriers in the market. We are one of the largest direct appointed brokers in the nation for this program and our strong positive working relationship with the program is a benefit to our clients.    


Workers' Compensation Claims Support for Contractors

While premium and rates are a primary focus when evaluating workers' compensation insurance, our service goes well beyond the initial sale. Our company offers valuable workers' compensation support services which will help keep your workers' compensation costs down including: Experience modification review (EMR), claims tracking to make sure claims move towards closure, reserve analysis to avoid costly effects on your EMR, review of claims prior to Unit Statistical Reporting deadlines, assistance with locating medical providers for injured workers, and review, analysis and assistance with first aid programs and return to work programs. These are only a few examples of the services we provide our clients. Contact us to see why so many California and Nevada employers choose to place their workers' compensation insurance through Beach & O'Neill Insurance Associates.