After years of relative stability, California’s workers’ compensation rates are climbing again.
This shift is creating new challenges — and opportunities — for employers across industries.
In this two-part video + blog series, Kirk Aguilera, President of Middle Market P&C – West Region at The Liberty Company Insurance Brokers, breaks down what’s driving rate increases and shares actionable strategies to control costs this year.
California employers are facing multiple cost pressures, from medical inflation to legal complexity and workforce turnover.
In this first video, Kirk Aguilera explains the top factors driving rate increases and what they mean for your business.
“Understanding the why is the first step to taking control of your workers’ comp costs.”
Rising rates don’t have to mean rising costs.
In this follow-up video, Kirk outlines five strategies every California employer should implement, 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.”
Rates are being driven up by medical inflation, litigation costs, workforce turnover, and ongoing regulatory expenses.
High-risk sectors such as construction, logistics, and manufacturing are experiencing the largest increases, though all industries are feeling the impact.
Yes — through proactive safety programs, efficient claims management, and data-driven program reviews, employers can offset rising base rates.
Alternative Dispute Resolution (ADR) allows employers to resolve claims faster and with less litigation, lowering legal fees and administrative costs.
Liberty partners with employers to benchmark their programs, identify hidden cost drivers, and implement strategies that improve outcomes and reduce premiums.
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.
