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Workers' Compensation | Video Series
Rising rates don’t have to mean rising costs.
In this follow-up video, Kirk outlines five strategies every California employer should implement in 2025, from strengthening safety programs to improving return-to-work and leveraging ADR for faster claim resolutions.
“Your best comp savings strategy starts long before a claim occurs.”
Yes, though some are affected more than others. High-risk sectors such as construction, logistics, and manufacturing are seeing the sharpest increases due to higher claim frequency and severity.
Rates are reviewed annually by the WCIRB and approved by the California Department of Insurance. Each year’s adjustment reflects market data, loss experience, and payroll trends.
Base rates are classification-based and not negotiable, but employers can influence their premiums through claims performance, safety culture, and claims mitigation oversight, which directly impact their Experience Modification (Ex Mod).
Yes. While remote work reduces on-site injuries, it increases ergonomic and at-home safety exposures. Carriers continue to assess how these patterns will affect long-term underwriting.
Start with a proactive risk assessment. Review claims trends, safety programs, and return-to-work processes to identify areas for improvement. Having a fully implemented workers’ comp practice is critical for long-term cost control.
At The Liberty Company Insurance Brokers, we help employers across California manage the complex challenges of today’s workers’ comp environment.
Whether you need a program review, claims benchmarking, or help improving your Ex Mod, our team can guide you through every step.
Kirk Aguilera leads Liberty’s Middle Market P&C practice across the West Region, helping employers design strategic, cost-efficient workers’ comp programs that reduce claim frequency, improve safety, and deliver measurable results. With more than two decades of experience advising California businesses, Kirk combines technical expertise with a consultative approach that empowers employers to take control of their total cost of risk.
Tell us a bit about your organization, and one of our specialists will reach out to schedule a complimentary assessment.