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About this site

By Richard Vaughn CPCU, ARM, AIS. Reviewed November 8, 2026. Richard is an insurance professional, not an attorney. This page explains the law; it is not legal advice.

Who writes it

Richard Vaughn spent 35 years in commercial property and casualty insurance, most of it in workers' compensation. He founded and ran a workers' compensation self-insured group, audited premiums, and spent sixteen years implementing claims systems for carriers and third-party administrators, work that put him in the files of several hundred thousand claims and in the offices of the adjusters, claims managers, risk officers and in-house counsel who handled them. He holds the CPCU, ARM and AIS designations and an active property and casualty license. He is not an attorney.

He writes this site because the two people in every claim, the injured worker and the employer, are usually reading two different internets: one written by applicant attorneys to generate cases, the other by brokers to generate quotes. Both have a point of view. The Labor Code does not, and a site that explains what the Code says, and what the adjuster on the other side of the desk is doing with it, serves both readers better than either.

How it is built

Every page on the site is written from primary sources: the Labor Code and Insurance Code sections themselves, the Division of Workers' Compensation's published tables, guidebook and fact sheets, the WCIRB's rating guide and filings, and the Insurance Commissioner's decisions. The sources are kept in a manifest with the date each was checked, and every page lists the ones it relies on. Dollar figures are not typed into the text; they are rendered from data files that record the state document each figure came from, so that when the Division publishes next year's rates the whole site updates from one edit. A statement that cannot be traced to a primary source is not published; the build that produces the site refuses to run until it is sourced or removed.

The site is static HTML, built by a script from plain-text content and the data files, and served from ordinary web hosting. It uses no account, no login and no forms, and collects no information from readers beyond what the advertising and analytics described in the privacy page collect.

What it is not

It is not legal advice. The site explains how the law works in general; it cannot tell you how it applies to your claim, and the people who can are a claims administrator, a Division of Workers' Compensation Information and Assistance officer, or an attorney. It is not a law firm and does not represent anyone. It is not a lawyer referral service: the attorneys listed on the directory pages have paid for advertising, are listed alphabetically, and are not screened, ranked or recommended. The site receives no part of any fee and is not certified under Business and Professions Code §6155 because it does not refer. The terms page says the same thing in the words a lawyer would want.

Corrections

The site is a reference and is held to a reference's standard. If a figure is wrong, a section is misread, or a rule has changed, write to richardvaughncpcu@gmail.com with the page and the source, and it will be checked against the primary text and corrected with a note. Readers who do this are doing the site a service.

Contact

Editorial and corrections: richardvaughncpcu@gmail.com. Attorney and partner advertising: see advertise. Richard's other work is at dickvaughn.com.