Employers Workers' Comp Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Employers, and we write Employers workers' compensation for California small businesses. Employers is the endorsed workers' comp provider of the California Restaurant Association, and restaurants are its largest group of California customers.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- AM Best A (Excellent)
- Small Business Workers' Comp
- 850+ Five-Star Google Reviews
- CLCS Commercial Designation
- Local Yuba City Office
A Workers' Comp Carrier Built for Small Business
Employers (styled EMPLOYERS) is a workers' compensation specialist owned by Employers Holdings, Inc., which trades on the New York Stock Exchange as EIG. The company started as the Nevada Insurance Fund in 1913, is headquartered in Reno, and now writes workers' comp in every state except the four served only by their state funds. It focuses on small businesses in low to medium hazard industries and works with independent agents. In January 2026, AM Best affirmed a Financial Strength Rating of A (Excellent) for the Employers Insurance Group companies, with a stable outlook.
Employers describes itself as having a strong presence in California. Restaurants are Employers' largest group of California customers, and Employers is the endorsed workers' comp provider of the California Restaurant Association. Eligible CRA members receive a 5% credit, and Employers' appetite there includes quick service and fast food restaurants. Coverage is subject to Employers underwriting, and CRA membership does not guarantee a policy.
Employers Workers' Comp Through Oakview
Oakview writes Employers workers' compensation in California. Coverage is subject to Employers underwriting, policy terms, limits, and exclusions.
Lead Program
Restaurants and the CRA Program
Restaurants are where Employers is strongest in California. Full service restaurants, cafes, and quick service operations can all fit, and members of the California Restaurant Association receive a 5% credit on an eligible policy. CRA dues are $99 per location for members insured by Employers for workers' comp on policies that meet a $1,000 minimum premium. For the rest of your restaurant coverage, see our restaurant insurance page.
- Full Service Restaurants
- Quick Service and Fast Food
- CRA Member Credit
Pay-As-You-Go Billing
PrecisePay ties your premium payments to the payroll you actually run each pay period, instead of a large deposit based on an estimate. Employers also connects with many payroll service providers.
- PrecisePay
Other Small Businesses
Beyond restaurants, Employers writes a range of small businesses in low to medium hazard industries. Whether yours fits depends on your class codes and Employers' current underwriting, and we check that before we quote.
Online Account
Policyholders pay and manage their Employers account online through EACCESS. For how California workers' comp works in general, see our workers' compensation insurance page.
- EACCESS
What an Employers Policy Covers
| Coverage | What it pays for |
|---|---|
| Medical treatment | Reasonable and necessary care for a covered work injury or illness, such as doctor visits, hospital care, therapy, and prescriptions |
| Temporary disability | Partial wage replacement while an injured employee is recovering and cannot work |
| Permanent disability | Payments when a work injury leaves a lasting impairment, rated under California rules |
| Supplemental job displacement | A voucher for retraining when an injured employee cannot return to the old job |
| Death benefits | Benefits to qualifying dependents after a fatal work injury |
| Employer's liability | Certain lawsuits against the employer that arise from a work injury, subject to policy terms, limits, and exclusions. It does not replace the workers' comp benefits above. |
California sets the benefits. Coverage is subject to Employers underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on Employers
A workers' comp premium depends on how your payroll is classified, what your experience mod is, and which carrier wants your type of business. We check the class codes before we quote, review your mod with you, and look at Employers again at each renewal. Employers is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets, so if Employers is not the right fit we can quote the others in the same conversation.
Our team is 20 dedicated insurance professionals, and two of our personal lines agents speak Spanish and can help with business and farm policies too. We have earned 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Read our reviews on Google, or call us at (530) 674-5054.
Where We Write Employers Coverage
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303, Yuba City, CA 95993
(530) 674-5054 · info@oakviewins.com
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
North of the office we serve Chico, Oroville, and Gridley in Butte County, and Colusa and Williams to the west.
Greater Sacramento
To the south we work with employers in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
Employers Workers' Comp Questions, Answered
Is Oakview an appointed Employers agent?
Yes. Oakview Insurance Services is an independent agency appointed with Employers, and we write Employers workers' compensation for California businesses. We are a local independent agency that can quote and service Employers policies, not an Employers employee or a captive agent.
What is Employers' AM Best rating?
AM Best affirmed a Financial Strength Rating of A (Excellent) for the Employers Insurance Group companies in January 2026, with a stable outlook. The rated companies include Employers Compensation Insurance Company, Employers Preferred Insurance Company, and Employers Assurance Company. Ratings can change, so check AM Best for the current rating.
Is Employers endorsed by the California Restaurant Association?
Yes. Employers is the endorsed workers' compensation provider of the California Restaurant Association. Eligible CRA members receive a 5% credit on their Employers policy, and CRA dues are $99 per location for members insured by Employers for workers' comp on policies that meet a $1,000 minimum premium. CRA membership does not guarantee coverage, and every policy is subject to Employers underwriting.
What is PrecisePay?
PrecisePay is Employers' pay-as-you-go billing program. Instead of paying premium on an estimate, you pay based on the payroll you actually run each pay period. Employers also connects with many payroll service providers, so ask us whether yours is one of them.
What kinds of businesses does Employers write in California?
Employers focuses on small businesses in low to medium hazard industries. In California, restaurants are its largest group of customers. Whether your business fits depends on your class codes and Employers underwriting.
Is workers' compensation required in California?
California requires nearly every business with employees to carry workers' compensation insurance, even with a single employee. Operating without it can lead to a stop order and state penalties.
How do I get an Employers quote in California?
Employers works through independent agents, so your quote comes through an agent like Oakview. You can fill out our online quote form or call (530) 674-5054. Have your payroll by job type and your recent loss history handy if you can, but you can start the request before every document is ready.
Why work with Oakview instead of going to Employers directly?
We classify your payroll, review your experience mod, and compare Employers with the other carriers we can access, so you see whether Employers is the best fit before you buy and again at each renewal. If another carrier fits better, we will tell you.
Does Oakview serve Employers clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento. Existing Employers policyholders can find claims and billing contacts on our carriers page.
Talk to a Local Employers Agent
Tell us about your business and your payroll, and we will check whether Employers is a fit. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | EMPLOYERS®, America's small business insurance specialist®, EACCESS®, and PrecisePay® are registered trademarks of EIG Services, Inc. Insurance is offered through the Employers Insurance Group companies, and not all companies do business in all jurisdictions. Oakview Insurance Services is an independent insurance agency appointed with Employers and is not owned or operated by Employers. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.