California Workers' Compensation
Lost Your California Workers' Comp
Coverage? Get Replacement Coverage Now.
California's insurance market is going through a significant shift right now. Carriers are reassessing their appetite across the state — and if you received a non-renewal notice, you are not alone and you did nothing wrong.
Get Replacement Coverage ➔ Schedule a Call ➔WHAT’S HAPPENING
INDEPENDENT BROKERAGE
AMTRUST BACKED
You Didn't Do Anything Wrong.
California's insurance market is going through a significant shift. Carriers are reassessing their appetite across the state — and if you received a non-renewal notice, you are not alone. This is a market-wide movement, not a reflection of your business or your safety record.
Affinity Risk works with carriers who remain committed to California. We specialize in the transportation and towing industries specifically, which means we understand your class codes, your risk profile, and how to place you correctly — fast.
WHY AFFINITY RISK
Independent
We work for you — not any single carrier. That means unbiased placement across the market, every time.
Workers' Comp Is Our Core
Not a side product — it's the foundation of what we do for California employers. No generalists here.
Built for Towing & Transportation
Decades of hands-on experience in your industry — not a generic insurance shop learning your business on the fly.
48-Hour Turnaround
Quotes back in two business days. No waiting weeks to find out where you stand — especially when your lapse date is close.
Built for This. Built for You.
LINES OF BUSINESS
Industries We Cover
Tow Truck & Roadside Assistance
From light-duty tow trucks to heavy recovery rigs and roadside assistance operators. We know your class codes inside and out and work with carriers who specialize in your risk.
Livery, Black Car & Limousine
Executive transport, black car services, and limousine operations of all fleet sizes. We place coverage that reflects the premium nature of your service and protects every ride.
Non-Emergency Medical Transportation
Specialized workers' comp for NEMT operators navigating complex regulatory environment. We understand the unique exposures your drivers and attendants face every day.
Taxi & Car Service
Traditional taxi fleets and on-demand car services across urban and suburban markets. Coverage built around high-mileage, multi-driver operations that standard markets overlook.
School Bus Operators
Contract and independent school bus operators serving districts and private schools. We account for the seasonal nature of your workforce and the heightened duty of care involved.
Don't see your exact operation? We cover additional transportation and commercial classes. Call us at (888) 278-4987 or use the form below — we'll let you know quickly if we can help.
Get Started
Ready to Get
Replacement Coverage?
Fill out the form and a licensed specialist will reach out within one business day. No pressure, no commitment — just a real conversation about your options.
- California workers' comp specialists on staff
- Quotes back within 48 hours of your call
- Access to 40+ carriers for competitive placement
- Experience with non-renewals and coverage lapses
- No generic policies — every placement is tailored