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Quick take: SB 216 (2022) created a “workers’ comp for all contractors” rule. SB 1455 (2024) moved the universal mandate to January 1, 2028 and ordered a tougher exemption‑verification system by January 1, 2027. The year 2026 is a statewide stress‑test—expect strict renewals and fast suspensions for lapses.
SB 216 (2022) set a universal workers’ compensation requirement for all licensed contractors (even with no employees) originally targeting Jan 1, 2026. SB 1455 (2024) pushed the universal date to Jan 1, 2028 and told CSLB to implement a verification process for “no‑employees” exemptions by Jan 1, 2027. Think of 2026 as the statewide dress rehearsal; 2028 is full enforcement.
C‑53 jobs stack higher‑risk exposures on a single site—excavation, rebar/gunite, energized electrical, and chemical handling. Maintenance operations are separately tracked under WCIRB classifications (e.g., Code 9097 for Swimming Pool Cleaning/Servicing), which signals distinct risk to regulators and carriers. Expect tighter underwriting and documentation.
Since Jan 1, 2023, CSLB requires workers’ comp—even with zero employees—for:
If you self‑perform or subcontract these scopes on a pool project, the requirement effectively follows you onto the job.
Many one‑person firms carry a low‑premium policy primarily to satisfy filing and contract requirements. Note: depending on your entity and election, owners may be excluded by default—you are not automatically covered unless you opt in. Confirm in writing with your broker.
You may certify that you have no employees (special rules apply for out‑of‑state work). The moment you hire anyone, you must obtain a policy and submit proof to CSLB—generally within 90 days—or risk suspension. Occasional helpers, relatives, “1099s,” or day laborers can invalidate an exemption.
Ask your insurer to electronically file your Certificate of Workers’ Compensation Insurance to CSLB so your license record updates in real time (or on the future effective date). Then verify the listing in License Check and correct any name/classification mismatches immediately.
California’s Insurance Commissioner approved an average +8.7% increase to the advisory pure premium benchmark for workers’ comp effective Sept 1, 2025 (vs. Sept 1, 2024 levels). Advisory rates aren’t your final price, but they’re a directional signal—budget ahead.
Do 1099s or day laborers count as “no employees”?
Usually not. If you direct their work like employees, workers’ comp law likely applies. An exemption is risky in that scenario—secure a policy.
If I’m out‑of‑state doing a pool in California?
File the CSLB exemption with your home‑state comp certificate and confirm you won’t hire CA residents; otherwise, carry a California policy.
Will CSLB really show up on site?
Yes. SWIFT runs stings and sweeps statewide and issues Stop Orders for workers’ comp violations.
What happens if my policy lapses mid‑job?
Your license is suspended until proof is processed; any work performed while suspended is treated as unlicensed.
Does a “ghost policy” cover me, the owner?
Not automatically. Many owner‑only policies exclude the owner unless you elect to be included—confirm with your broker.
Could a homeowner be on the hook if the contractor has no comp?
CSLB warns consumers they can face liability exposure if a worker is injured and the contractor lacks workers’ comp.
This overview is for general information only and isn’t legal advice. For your exact situation, confirm details with your broker and consult your attorney or CSLB.