Top Drawer Insurance has 25 years of experience writing Workers Compensation Insurance for businesses on land and water. We provide local representation for Los Angeles and Orange County plus the ports of Long Beach, San Pedro and Los Angeles In most cases, we do not charge any broker fees on large Workers Compensation accounts.

For standard Workers Compensation Insurance we are extremely competitive with:


  • Auto body and mechanic shops
  • Medical and dental offices
  • Restaurants
  • Contractors
  • Wholesalers
  • Retailers


For USL&H exposures, we are extremely competitive with


  • Terminal Operators
  • Barge Repair
  • Marina Construction
  • Ship Repair
  • Steamship Agents
  • Luxury Yacht Builders
  • Coal Docks
  • Ship Builders
  • Aquariums


We shop our markets for the lowest rates and tailor a policy that fits your payment needs. Monthly installments, as a percentage of annual estimated premium; Monthly installments tied to monthly payroll. Pay as you go.

Workers Compensation Insurance is mandatory and it protects employees that have been injured or disabled in the work place. In many cases, independent contractors must be covered if they are told by the employer where and when they must work.

The United States Longshore and Harborworkers’ (USL&H) Act is mandatory for business working on the navigable waters of the United States, or in adjoining areas customarily used in loading, unloading, repairing, or building a vessel. This may include employees who may only have incidental exposure to the waterfront, including surveyors, transportation firms, and general contractors. We also write Marine Liability.


Worker’s Compensation coverage’s include:


  • Medical Benefits
  • Income Benefits
  • Rehabilitation Benefits
  • Death Benefits


Employers who should be carrying, but have opted not to carry Workers Compensation or USL&H insurance will face severe fines and/or penalties

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