The 2028 workers comp deadline, made simple.
California is phasing in a workers comp requirement for every licensed contractor by January 1, 2028. Here is what changes and how to get ahead of it.
Today, several trades must carry workers comp even with no employees. Under a 2024 law, that requirement expands to all licensed contractors by January 1, 2028, with a verification step beginning in 2027. If you are a sole proprietor with no staff, this likely affects you. We help you prepare so your license stays clean.
What the 2028 change means
Every license, eventually
By January 1, 2028, all CSLB license holders are expected to carry workers comp or have a verified exemption, with the process starting in 2027.
Some trades already must comply
Roofing, concrete, HVAC, and a few others already require workers comp regardless of employees. The 2028 change extends this to the rest.
Plan ahead, avoid a scramble
Getting coverage in place early avoids a license-renewal problem later. We will tell you what your license needs and when.
Explore more coverage and trades
2028 deadline questions we hear
I work alone. Will I need workers comp?
Under the phase-in, most licensed contractors will need workers comp or a verified exemption by January 1, 2028. Some trades already require it. We will help you confirm your situation.
When does the verification start?
The CSLB is expected to begin an exemption-verification process in 2027 ahead of the 2028 deadline. Getting ahead of it keeps your renewal smooth.
What are my options as a sole proprietor?
A minimum-payroll policy can satisfy the requirement and many GC contracts. We will explain what fits and place it.
Get ahead of the 2028 deadline
Tell us your trade and whether you have employees. We will tell you exactly what to do.
(714) 421-4658 · info@doneforyouins.com