A fast track to lower work comp cost and stop claims

Most business owners have been led to believe that workers' compensation is "workers compensation". They believe that because workers' compensation is legislated they have little or no control over their costs.

Nothing could be further from the truth.

Fortunately, VANTREO delivers the expertise, technology, and education needed to achieve low California workers compensation cost in record time. Our clients tell us that our ability to save them time and money fuels their business expansion and profit goals faster than ever expected.

high-risk California industries

Am I overpaying for workers' compensation insurance?

It's highly likely. 

The good news is that, with VANTREO, you can find out for sure in seconds. And do something about it shortly thereafter.

  1. Shop the market instantly- VANTREO uses automated market intelligence to instantly research the California workers compensation insurance marketplace on your behalf. In seconds, you'll view pricing from over 100 workers comp insurers including rates among the lowest in the state. The time-consuming shopping hassle is gone...while the efficiencies have only just begun.  
  2. Save admin time - Let's face it, insurance takes time and every minute saved on insurance administration also saves money. We deliver customized technology to manage claims, eliminate 75% of redundant data entry, and maintain current OSHA logs and trending reports 24/7.
  3. Reduce claims. Reduce injury costs - Workplace injuries drive costs up. They increase your experience modification. VANTREO goes beyond safety programs and provides the information managers need to stop injury claims and reduce the cost of those that already exist.

VANTREO can help you ...

  • Locate the lowest rates from workers compensation insurers for your classification code in seconds
  • Drive down incidents, claims, and losses
  • Manage injury data while simultaneously completing your OSHA logs and trending reports
  • Track your results in real-time
  • Support a safety-first culture
  • Easily identify loss sources
  • Eliminate fraud and exaggerated claims
  • Automate your safety training program
  • Manage work comp in all 50 states
  • Comply with Federal and State safety requirements
  • Get thousands of safety resources and materials
  • Access CompZone claim negotiation, coaching, and advocacy services


VANTREO is focused on, and committed to, lowering work comp costs for business owners. Our clients tell us we are excellent at it! And they tell their friends! VANTREO provides the expertise, negotiation skill, technology and management training tools needed to get results that are not possible in any other way.

Just let us know how to begin a conversation with you.

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What is workers' compensation?

Injuries on the job lead to work comp claims

Workers' compensation is a no-fault system requiring that specific state-mandated benefits be paid to workers who are injured or become ill on the job or over the course of their employment. Workers' compensation insurance pays the employers’ financial obligations under this law. 

Learn more:


How Do I Reduce Work Comp Claims and Lower Injury Costs?

Conquer high work comp injury costs with CompZone

Workers compensation injury claims drive insurance rates up.   In fact, a claim filed today will affect the experience modification and premium rates for 3 years or more.

Too many people believe that on-the-job injuries just happen. They believe work comp claims are to be expected and with some luck, they won't be too serious or costly.

Nothing is further from the truth. Every job has a way of being done 100% safely. Everyone has the right to go home in the same physical condition they were in when they arrived on the job earlier that day.

Are some claims fake or exaggerated? Do some people use "injury" as a way to justify time off work? 

Yes. But all injuries (real, fake, exaggerated, or imagined) can be prevented. 


Here are 5 ways VANTREO can help you lower work comp costs that really work...

1. Zoom in on the right injury care. The result will enhance the employee experience, expedite healing and return to work, and minimize costs. 

2. Train all managers for "zero-claim" results. Managers and supervisors can be trained to eliminate injuries by making claim-free work comp decisions and more appropriately handling team member relationships. 

3. Invest in a behavior-based safety incentive plan. Let us introduce you to a great, OSHA compliant, incentive plan that promotes proactive safety awareness, rewards safety compliance, and recognizes safety success.  

4. Coach people to make training stick. Just like great athletes, employees need both training and coaching. Training, to fill information or skills gaps. Coaching, to change behaviors and individualize what is being learned.

5. Achieve a zero-claims month. Take baby-steps when it comes to eliminating injury and reducing work comp costs. As zero-claim behaviors begin to take hold, aim for a more easily achieved goal, like a claim-free month, and celebrate when it happens!  

VANTREO is here to help. 


For larger businesses (paying $125,000 or more in annual premium), our CompZone™ division delivers a complete and proven system to eliminate work-comp-injuries and reduce costs. And you don't have to change insurance brokers. COMPZONE Intro

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Is workers' comp required in CA?

All California employers are required to carry workers' compensation insurance. Even if your company only has one employee, your business is still required to carry this coverage.


How does California workers comp work?

Employers are required to demonstrate that they can pay for their financial obligation under state workers' compensation laws. This is done either by qualifying as a self-insured employer or by purchasing valid workers' compensation insurance. Employers who fail to carry workers' compensation when required to do so may be subject to significant penalties, fines, and business closure.

California workers compensation insurance pays for the California-mandated benefits should an employee be injured, become ill, or die on the job. These benefits include medical expenses, rehabilitation costs, lost wages, permanent disability, and/or a death benefit. In other words, worker compensation ca acts as a safeguard for the employee's family if the employee gets injured in the workplace.


How do I get workers' compensation in CA?

To get workers' compensation for your business, just call 1-800-967-6543 or reply below to connect with a licensed work comp insurance expert who can guide you to the right insurance company to obtain the appropriate coverage, minimize insurance gaps, and help you control costs.

Learn more:


What doesn't it cover?

All insurance policies have coverage exclusions and limitations. Here are a few things that workers compensation insurance may not cover: claims for employment discrimination based on a workers compensation claim; excluded officers and directors; independent contractors (or you may be charged for independent contractors if documentation is faulty); in some jurisdictions, employees may be restricted from collecting benefits (however in most places it is not likely) if their injury results from willful misconduct or from intoxication.


How much does workers comp pay?

There is not one simple or general answer to this question, as workers' compensation systems are formed by statutes in each state. Court decisions and state laws control the program in that state and no two states have exactly the same regulations and laws.

States determine such features as the number of benefits to which an employee is entitled, what impairments and injuries are covered, how impairments are to be evaluated, and how medical care is to be delivered. In addition, states dictate whether workers comp insurance is provided by state-run agencies, private insurance companies, or by the state alone. States also establish how claims are to be handled, how disputes are resolved and they may devise strategies, such as limits on chiropractic care, to control costs.

For information on how much California work comp insurance pays for injuries on the job, click here.

To learn about the requirements where you live, visit your state’s workers' compensation department web site.

High-risk industries need workcomp insurance

How much is workers' compensation insurance in California?

The pricing of work comp in California isn't regulated by the state, and rates fluctuate depending on the insurance provider. While cost is a significant consideration when choosing a carrier, it's wise for employers to also consider their industry expertise, their claims handling process, the services they offer, and their reputation.

VANTREO uses automated market intelligence to instantly research the California workers compensation insurance marketplace on your behalf. In seconds, you'll view pricing from over 100 workers comp carriers including rates among the lowest in the state.

To obtain workers' compensation for your business, just call 1-800-967-6543 or reply below to connect with a licensed work comp insurance expert who can guide you in the right direction to obtain appropriate coverage, minimize insurance gaps, and help you control costs.

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How does California Workers Comp Insurance work for employers?

“Workers Compensation” coverage is required by state law in California. Although work comp insurance provides benefits to employees who have been injured in and out of the course of their employment, employees are not required to contribute to the cost.

The employer pays the insurance company for work comp insurance coverage. Should an employee be insured on the job, the employer can file a workers compensation claim. Depending on the severity of the injury, the employer may also have to report the incident to the Occupational Safety and Health Administration (OSHA)...in some cases within 8 to 24 hours. When to call OSHA info

CA Workers compensation stands as your safeguard from unexpected financial obligations

As a business owner, you want to protect your employees and control costs. With properly purchased workers' compensation coverage, you can rest assured your work comp obligations are secured.

It can be a shield from local legal issues.

Since the insurance policy in California will handle the lost wages and substantial medical expenses, your business does not need to dip into savings or request a loan from the bank to support this kind of unexpected financial obligation. If the employee died because of his or her work's nature, your business would not need to compensate the family personally as the insurance policy in California will be the one who will handle the payout. This helps to make your business financially stable, as well.

Since most compensation claims are managed by your work comp insurance in California, you will not need to handle the necessary transactions. The insurance company in California will do it for you. Plus, your insurer will oversee claims from start to finish, you don't have to face complaints or run the risk of late payment.

Whether you are one of California's many sole proprietors or responsible for insurance for a national organization or international business, the insurance professionals you choose must understand how to get the results you need expediently. You'll also want to make sure that the service they provide, both before and after the coverage is placed, leverages technology and provides the education needed to keep you protected and minimize the time you must spend on insurance. That service must leverage your team and increase your company's EBITDA.


When to call OSHA?

All employers are required to notify OSHA when an employee is killed on the job or suffers a work-related hospitalization, amputation, or loss of an eye. A fatality must be reported within 8 hours. An in-patient hospitalization, amputation, or eye loss must be reported within 24 hours. OSHA information

Frequently Asked Questions About Workers Compensation

We understand that workers comp insurance can be a complex topic for businesses. To help, we’ve created an FAQ that answers common questions like:

Click here to see the full workers comp insurance FAQ.

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