Keeping your employees safe at work is important. When your employee does suffer an injury, how do you keep the cost down and protect your employees? Workers’ Comp insurance coverage provides your employees with protection they need, and provides you with peace of mind that they’ll be covered.
Did you know that workers’ compensation insurance is mandated for California businesses to have if they have one or more employees? Yes, workers’ comp is a must in California. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.
Let’s go over the basics.
California Workers Comp Insurance Basics
California workers compensation insurance must be purchased as a separate policy. Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.
Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to handling patients.
Workers Compensation Insurance may cover:
- Medical expenses
- Lost income/wages
- Rehabilitation costs
- Death benefits
- And more…
It does not cover:
- Third-party lawsuits.
- Lawsuits over professional errors.
- Wages for a replacement worker.
- Parental leave benefits.
- OSHA penalties.
ProAction Insurance Services specializes in covering businesses like yours. We have everything you need, including:
- A Rated Carriers
- Low binding deposit
- Minimum premiums
- Monthly self reporting
- Tailored coverage for the specific risks of your industry
- Knowledgeable account managers in house to assist in disputing your workers’ compensation premium audits
- Quick and simple process in obtaining a competitive quote
So How Do You Get Started?
ProAction Insurance is ready to guide you through the process of determining what kind of workers compensation covers your business needs. Our team of professionals are well trained on laws involving workers compensation in California and can determine your ideal coverage. Without the appropriate California workers compensation insurance, you risk facing monetary fines or even criminal charges.
Workers compensation can be a large expense. We work with many different workers comp carriers to find you the best coverage and lowest rates. Many of our companies offer Loss Control Services to provide specialized plans to help mitigate and prevent on the job accidents and injuries. We can help you find a workers comp insurance policy to fit your needs even if your business operation is in Northern or Southern California.
At ProAction Insurance, we understand that options can sometimes be overwhelming. Our knowledgeable and helpful agents can work with you to find the coverage you need. We are here for you.