Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
When your employees are your most valuable asset, protecting them — and your business — is a top priority. Workers Compensation Insurance helps provide medical benefits and wage replacement to employees who get injured or become ill due to job-related duties. At Nikki Farag Insurance Agency, we help Los Angeles businesses secure the right workers comp coverage through Farmers Insurance to meet legal requirements and support a safe, protected workplace.
Whether you run a construction business in Sherman Oaks or manage a retail store on the Westside, having a solid workers comp policy isn’t just about compliance — it’s about care and responsibility. We tailor coverage options to your industry, ensuring you have support when it matters most.
Commercial Property Insurance helps protect your business’s physical assets from common risks such as fire, theft, vandalism, and certain types of water damage. This includes protection for your building (if owned), outdoor signage, computers, inventory, tools, and furniture. Whether you’re a small boutique in Santa Monica or a manufacturing facility in the Valley, having the right policy in place ensures you’re covered when the unexpected happens.
Medical care related to a job injury or illness
Wage replacement for time lost from work
Disability benefits for temporary or permanent impairments
Ongoing care, such as physical therapy
Death benefits for families in the event of a fatal accident
Legal defense costs if an employee files a lawsuit
Having the right policy helps your business meet California’s legal requirements while protecting both your employees and your bottom line.
Construction and trade businesses
Restaurants and food service providers
Retail and hospitality companies
Transportation and delivery services
Healthcare and in-home care providers
Manufacturing & warehouse operations
Office-based teams
Any business with W-2 employees
As a business owner, I understand the importance of protecting both your employees and your company. Workers compensation insurance isn’t just a legal requirement — it’s a promise to your team that you care about their safety and wellbeing. Let’s build a policy that supports your people and keeps your business strong.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
Yes, California law requires all employers to carry workers compensation insurance — even if you have only one employee.
Yes, part-time and seasonal workers must also be covered under a workers comp policy.
Independent contractors typically are not covered, but misclassification can lead to penalties. We’ll help you determine the right classification.
Premiums are based on payroll, job classifications, and your claims history.
The employee should report the injury immediately, seek medical treatment, and your insurer should be notified to start the claims process.
Yes, illnesses directly resulting from work activities — like respiratory issues or repetitive stress injuries — are generally covered.
Workers comp usually limits lawsuits, but certain exceptions apply. Coverage includes legal defense in qualifying cases.
Not always. Many policies can be written to cover multiple business locations — we’ll review your setup to ensure proper coverage.
Yes, if family members are paid employees, they must be covered under workers comp.
Maintaining a safe workplace, offering employee training, and reducing claims can help lower your premiums.
Standard policies may not cover all natural disasters. You can add endorsements or separate policies for earthquakes or floods, especially important in areas like Los Angeles.