text: By the way, do not wait until the last minute to pursue your workers comp policy or renewal - expect at least 2 weeks for a decision, and even then the decision could be "no, we won't cover you" and you will have to start from square one. (Update: I have been told that in CA, if you go directly to the state fund, it can take 4-6 weeks to get a decision, but a private broker can get you into a State Fund policy in days. I never tried to go direct, but I have a State Fund policy via a private broker and can attest it was pretty quick that way. As you should with any other aspect of California business, assume that CA workers comp. is more expensive, more difficult, with more litigation land mines and more anti-business traps than most any other state you deal with).