Protect Your Team. Protect Your Business.
Your employees help build your business every day—make sure they're protected if the unexpected happens. Workers Compensation Insurance provides wage replacement and medical benefits to employees injured on the job, while also protecting your business from related legal claims. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we make it easy to understand what’s required, what’s optional, and what’s best for your team.
Because taking care of your team is just good business.
Is workers compensation insurance required?
Yes. In both Idaho and California, most businesses with employees are legally required to carry workers comp. Requirements may vary based on your industry and number of employees.
What does it cover?
It typically covers medical expenses, lost wages, rehabilitation costs, and disability or death benefits if an employee is injured or becomes ill due to work.
Does it protect the business too?
Yes—workers comp helps limit employer liability in the event of workplace accidents or lawsuits related to employee injuries.
Can I get coverage for part-time or seasonal employees?
Absolutely. We’ll help you review your workforce structure and tailor a plan that keeps you compliant and covered.
Support When You Need It Most
Accidents and injuries can disrupt more than just workflows—they can impact morale, trust, and financial stability. Workers comp coverage helps your employees recover while allowing your business to move forward confidently and legally.
Built for Small Businesses. Backed by Real People.
From family-owned farms to construction crews and retail shops, we help all kinds of businesses get workers comp coverage that’s fair, compliant, and easy to manage. And if there’s ever a claim? You won’t be alone—we’ll be right there to help guide the process from start to finish.