Protect Your Team
Get dependable protection that keeps your business running smoothly. Our workers’ compensation coverage safeguards employees, limits financial risks, and helps you handle unexpected workplace injuries with confidence and efficiency so you can focus on growth.
Use this form to submit service inquiries directly.
Why It Matters
Workplace injuries can halt productivity and strain finances. Proper workers’ compensation coverage helps you recover faster, protect your team, and maintain business continuity when the unexpected happens.
Our Solutions
Protect your business from every angle with coverage tailored to real operational risks. From workplace safety to cyber protection, our solutions help secure your assets, people, and reputation.
Defend against data breaches, cyberattacks, and digital security threats.
Safeguard buildings, equipment, and inventory against damage or loss.
Covers property damage, tenant risks, and lost rental income.
Client Testimonials
Our clients highlight the value of our insurance solutions, showing how we deliver dependable protection and service across many personal and business needs.
Share your experience with Panorama. Your story helps others see the value of our service and encourages them to trust us with their needs.
Consistent and Dependable
Tim and his staff are my auto insurance broker and have been for over 30 years. We have two sons and both were covered in our policy up until recently when my oldest moved to Italy. We have had quite a few claims having hit a deer and totaled the Sedona, my youngest drove off hillside with the Jeep taking out neighbors deck support posts and hitting house, also a fender bender with his 4 Runner. Tim has always been honest, straight forward, and timely with all our needs. We have had Mercury this entire time, he has kept us updated with any discounts(teacher) and changes that we should be aware off. He is and has been a great communicator, efficient, and friendly, a good man. I highly recommend him.
JV
Joe Vitti
Long-Term Client
Resolving Complex Issues
This insurance agency is unique in that they go beyond the normal expectations. They have that small company endeavor but with large company results. I was very pleased with the way they handled my problem.
I am a landlord and as such needed help with a tenant and their dog which is classified as a companion dog used for emotional distress, however our signed contract forbids animals. With the help of Panorama Insurance Agency I was able to resolve the issue to the satisfaction of both the tenants and myself. They did the research for me! I highly recommend this agency.
RH
Robert Hernandez
Property Owner
Responsive and Courteous
I had an excellent experience with Tim Wong and Panorama Insurance. They helped me find homeowner's insurance coverage for a new home in the hills of L.A. that's a wildfire zone. None of the carriers wanted to write the business, so Tim secured the coverage through the CA plan and also a Difference in Conditions policy to ensure I had adequate liability coverage. He and his team adjusted coverages to find savings for me as well. They were responsive and courteous at all times, and made the home purchase process easier and more enjoyable. Highly recommended!
AL
Andrew Lloyd
Grateful Homeowner
Dependable Insurance Agent
Brent @ Panorama is the most available and dependable insurance agent I've ever had. I use Brent for my family account, and also take care of all the communication for my parents account as well - even though we're the same kin, our two different households have totally different requirements in terms of insurance. Brent is always willing to dive into specifics about policies and present alternatives when our situation changes or when a better plan is available. It's great to know that both the insurances for my home and car are just taken care of meddling on my part.
RJ
Roshan J
Loyal Returning Client
Went Above Expectations
I recently had the pleasure of working with Panorama Insurance Agency, specifically Brent Garriepy, to insure my new home and switch our auto insurance policy. Brent went above expectations with explaining the policies, what they cover and what they do not cover. We quickly found a policy that worked well for our new investment and it was very competitively priced. The choice was clear for my family. I highly recommend Panorama Insurance Agency. Give them a call and see what they can do for your family!
PS
Paul Schwappach
Home and Auto Client
Saved Us over a Hundred Dollars a Month!
Brent saved us over a hundred dollars a MONTH! across all our policies (auto/home/earthquake/umbrella) and even got us better coverages across the board. Wished I’d contacted Brent earlier in my insurance quote process. I did the internet search and got spammed with useless quotes as well as talked to half a dozen other highly rated agents. None could even come close to the level of service that Brent provided. Stop your internet search now and call Brent.
LT
Leland Treebs
Value-Seeking Client
Quick Help
Get clear answers to common workers’ compensation questions so you can make informed decisions and protect your business with the right coverage.
It covers medical expenses, lost wages, and rehabilitation for job-related injuries or illnesses. Protect both your team and business with fair coverage. Request a quote for details tailored to your operation.
Most businesses with employees are required to carry it. Even small teams benefit from financial and legal protection after accidents occur. If unsure about requirements, ask your agent for guidance.
Premiums depend on payroll, industry risk, and claim history. Keep accurate records and maintain safe work practices for lower costs. For a full breakdown of factors, contact us today.
Yes, owners can choose to include themselves for medical and wage benefits after workplace injuries. Stay financially secure by reviewing your options and schedule a call with an expert.
Operating without it risks heavy fines and personal liability for injuries. Avoid penalties and protect your business reputation. View our service archive for more coverage insights.
Injuries should be reported immediately to prevent delays in benefits. Quick reporting ensures employees receive proper care and claims are processed efficiently. Start your claim when incidents occur.
Generally, they are not. However, certain roles may still qualify depending on state laws and work arrangements. Verify eligibility and ask your agent before hiring contractors.
Yes, if the illness is proven to be work-related, such as exposure-related conditions. Maintain proper records and schedule a call for claim documentation support.
Review your business size, risks, and compliance needs to choose a plan that fits. Get personalized help and request a quote for accurate coverage recommendations.
Get Started
Safeguard your team and operations from unexpected workplace risks. Connect with an expert today to find workers’ compensation coverage that fits your business needs perfectly.
From home and auto to business and more, we design insurance strategies that protect your assets, income, and future plans with one coordinated approach.