Commercial Insurance

Workers’ Compensation

We make workers’ compensation coverage simple, proactive, and tailored to your business. Protect your team and your bottom line with confidence.

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Why Workers’ Compensation Matters

Accidents in the workplace happen every day—and California law requires employers to be prepared. In 2019 alone, over 13,000 workers’ compensation claims were filed in the state. The average claim for motor vehicle crashes exceeded $78,000, with burns and falls not far behind. Without the right protection, one incident can turn into a costly challenge. California Labor Code Section 3700 mandates coverage, but it’s not just about compliance—it’s about caring for your employees and safeguarding your business.

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Complete Market Coverage

We scan the entire marketplace to find the best-fit policy for your business. No gaps. No missed opportunities. Just total coverage confidence.

High-Touch Service

From issuing certificates to navigating claims and solving complex issues, our team is always just a call away. We handle the hard stuff so you can focus on what matters most—running your business.

OSHA & Compliance Support

Staying current with safety regulations isn’t optional. Our proactive approach helps ensure your workplace is compliant with OSHA and local standards—reducing risks before they become liabilities.

Fraud & Litigation Guidance

Workers’ comp fraud and legal disputes can spiral quickly. Our team helps identify red flags, manage litigation, and resolve claims efficiently to minimize impact and cost.

Protection for Workplaces

DHW ensures your business is covered for:
✔ Medical and disability benefits
✔ Employee rehabilitation and recovery
✔ Survivor benefits for fatal incidents
✔ Legal liability for workplace injuries

Why Choose DHW?

With over 16 years of experience, DHW is more than a provider—we’re a true partner in your business’s well-being. From reducing premiums to resolving claims, we bring Dedication, Heart, and Wisdom to every step of your workers’ compensation journey.

Let us help you control costs, protect your team, and gain peace of mind—just like we did for Heavenly Maids Cleaning Service.

“I have never experienced the level of service DHW provides. I highly recommend their workers’ compensation expertise to any business facing insurance challenges.”
— Kathleen Yoon, President, Heavenly Maids Cleaning Service