Worker's Compensation Insurance

Workers’ compensation insurance

Workers’ compensation insurance is a type of business insurance that helps businesses provide income and medical benefits to employees who have been injured on the job. In most states, employers are required by law to have workers compensation insurance California coverage. However, if you do live in a state that does not require it, it would be worth talking to one of our experts to decide if it is still protection you may want to have in place. If someone gets injured while on the job, the workers compensation policy is there to help pay for lost wages and medical costs associated with the employee’s job-related injury. For the injured employee, workers compensation insurance allows them to continue to be able to pay their bills while they focus on getting healthy and back to work. For employers, workers’ compensation insurance companies can provide assistance and guidance to help keep your employees safe and minimize financial risk if an injury occurs.

What are some of the specific benefits workers compensation can include in California?

Medical Care to help you recover from the injury or illness that happened at work. This includes doctor visits, tests, prescription drugs, durable medical equipment, and some travel costs necessary to treat your injury and facilitate your recovery.
Payments if you have lost wages because your work-related injury prevents you from doing your job.
Permanent Disability Benefits if you won’t recover completely and your injury causes a permanent loss of physical or mental function as attested to by a physician.
Assistance to help pay for retraining or skill enhancement if you are eligible to receive permanent disability benefits, your employer doesn’t offer you work, and you don’t return to work for your employer. This benefit is available for workers injured in 2004 or later. If your injury also occurred in 2013 or later and you received a Supplemental Job Displacement Benefit, you may also be eligible for an additional, one-time payment under the Return-to-Work Supplement Program.
Death benefits payable to your spouse, children, or other dependents if you die from a job-related injury or illness.

Our experienced workers compensation insurance experts can provide you with options designed to meet the needs of your unique situation and business needs. Having this insurance in place with a reputable insurance company will allow you to run your business without worrying about how accidents beyond your control could impact your employees or business operations.

Protect your business and employees with comprehensive workers' compensation insurance. Contact us today!