Workers’ Compensation Insurance in California
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Carrying workers’ compensation insurance is vital to your business.
By law, it is mandatory for employers to secure workers’ compensation insurance for their employees. Failure to carry workers' compensation insurance can leave an employer exposed not only to paying all expenses of an injured worker, out of pocket, but also to paying penalties levied by the states.
Workers’ compensation is a “no fault” system in which an injured employee is entitled to receive benefits for an industrial injury, no matter who caused the job-related accident. If an illness or injury is job-related, then the injured worker receives medical benefits and compensation. A claimant may also receive permanent compensation benefits, “job retraining,” and supportive medical care, till he is 100% alright to come back to work.
Employer Workers’ compensation in California :
If an employer regularly hires workers in its customary business then the employer is required to carry workers’ compensation insurance regardless of the number of workers they have, whether those
workers are part-time, full-time, minors, aliens, or family members. Workers’ compensation insurance is not required for an independent contractor, or a worker whose employment is both casual and
not in the usual business of the employer. Also, workers’ compensation insurance is not required for a domestic servant who works in your home.
An employer that fails to obtain the required workers’ compensation insurance is subject to an action by the State Government for an injunction that will require the employer to cease the operation
of business until the employer complies with the requirement to maintain workers’ compensation insurance for its employees.
An employer that does not carry workers’ compensation insurance is guilty of felony by law.
Workers’ compensation is Good :
Workers’ compensation insurance is good for workers and good for business. You know it’s in the best interest of your employees. If they get hurt, it provides them with medical treatment, payment
for time loss and disability, and even re-employment assistance if they need it, and we do not have to pay for anything if you have these. workers’ compensation was created to protect employers,
for the employer, but for this insurance, it meant possible financial ruin if the worker won a large award in court.
Workers’ compensation insurance was the answer to both problems.
- It replaced legal liability with no-fault insurance.
- As long as the injury or illness resulted from work, neither employer nor employee had to go to court.
Our experts and insurance agents, can get workers' compensations insurance from any good insurer authorized to provide workers’ compensation in California. Our Agents can help walk you through your options and educate you on how your premium was computed. We partnered deals with many insurance companies, and our agents bargain hard to get you the maximum discount, and save you the most.
If someone gets hurt on the job, ecourage reporting as soon as possible:
By law you are required to report job-related injuries to your workers’ compensation insurer within three working days. You nid not try to keep employees from filing injury claimsthe sooner you file, the quicker are the medical bills paid.
Save Cost of Workers' Comepensation Insurance in California :
- The only way to save cost is implement maximum workplace safety, if no you are faced with a situation called "voracious cost of workers' compensation." Discuss safety at every opportunity. Remember Safety is no accident "It takes planning, effort and thought."
- Employers in California are required to have an effective written Injury and Illness Prevention Program (IIPP). The benefits of an effective IIPP include improved workplace safety and health, better morale, increased productivity, and reduced costs of doing business.
The Division of Workers' Compensation (DWC) monitors the administration of workers' compensation claims, and provides administrative and judicial services to assist in resolving disputes that arise in connection with claims for workers' compensation benefits... more>>..
In California, the workers' compensation system is based on a trade-off between employers and employees. Employees are entitled to receive prompt, effective medical treatment for on-the-job injuries or illnesses no matter who is at fault and, in return, are prevented from suing employers over those injuries.
BY LAW: California employers are required by law to have workers' compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers' compensation benefits. Workers' comp insurance provides six basic benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits or vocational rehabilitation and death benefits.
Caution: Please be advised that if you are a roofer and don't have any employees, you are still required to carry workers' compensation insurance.
Out of Sate Employer: If you are an out-of-state employer you may need workers' compensation coverage if you have any employees regularly working in California, or if you enter into a contract of employment here.
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