Worker's Comp (California) Quote

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Description

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Quote Effective & Expiration Dates

Captures the proposed start and end dates of the Workers Compensation coverage period.

Insurer Name, A.M. Best Rating & Insurer Status

Returns the name of the insurer, its financial strength rating, and whether the carrier is admitted, surplus lines, or other.

Named Insured & Address

Returns the legal name and mailing address of the business receiving the Workers Compensation quote.

Classification Code & Payroll/Exposure

Lists applicable job classification codes and associated payroll or exposure basis used for premium calculations.

Experience Modification Rating

Returns the experience modifier applied to adjust premium based on the insured’s past claim history.

Bodily Injury by Accident and by Disease

Returns the per-incident and per employee payout limit for physical injuries and disease.

Coverage Endorsements & Extensions

Returns whether the following endorsements that extend coverage are included in the Workers Compensation quote: All States Endorsement, Participating Endorsement, Voluntary Compensation, U.S.L. & H. Endorsement, Jones Act, Defense Base Act Endorsement, Continental Shelf Endorsement, Stop Gap Coverage.

Each Occurrence Deductible

Specifies the deductible applied per workers compensation claim.

Drug Free Credit

Returns any premium discount applied for implementing a certified drug-free workplace program.

Safety Program Credit

Indicates whether a formal workplace safety program is in place and whether a credit is applied.

Terms & Conditions - Officers

Details inclusion or exclusion of executive officers in the WC coverage.

Terms & Conditions - Reporting Form

Specifies if the policy uses a reporting form to declare exposures.

Terms & Conditions - Audit

Indicates whether the final premium is subject to audit based on payroll.

Terms & Conditions - Medical Provider Network

Specifies if the insured uses a designated Medical Provider Network (MPN) for claims management.

Estimated Annual Premium

Returns the projected total premium for the quoted policy term, excluding taxes and fees.

Taxes / Fees / Charges

Breaks down itemized taxes, fees, or state-mandated surcharges included in the quote.

Payment Terms / Installments

Details proposed payment structure, including installment frequency and amounts.

Included / Excluded Individuals (Name & Title)

Lists all owners, officers, or individuals identified in the quote along with their coverage status.

This AI template is tailored for parsing California Workers Compensation insurance quotes. It extracts core policy data including effective and expiration dates, insurer name, A.M. Best rating, and insurer status (admitted or surplus lines).

The template pulls named insured details, job classification codes, payroll exposures, and experience modification factors used in premium calculations. It also identifies bodily injury limits, per-claim deductibles, and coverage extension endorsements like USL&H, Jones Act, and Stop Gap Coverage.

Additional fields include discounts for safety and drug-free programs, executive officer inclusion, and audit or reporting form conditions. Premium breakdowns, taxes, payment terms, and included/excluded personnel are also returned to support full policy analysis and automated quote intake.

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