Your employees are fundamental to the success of your business. Workers’ compensation insurance provides benefits that cover medical costs and a portion of lost wages for an employee who becomes injured at the workplace. Workers’ compensation also helps protect business owners from being sued by employees who suffer an accidental injury while at work.
California Workers’ Compenstion Insurance
Workers’ compensation is a mandatory type of insurance carried by many businesses in California and is necessary regardless of fault. Some examples of injuries that may be covered by workers’ comp insurance include: injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
The following benefits are typically provided by workers’ comp in California.
- Medical Coverage such as hospital and doctor visits, physical therapy, medications and other medical treatments.
- Disability: Offers a partial replacement of income lost when workers are unable to work due to an on-the-job injury.
- Vocational Rehabilitation: If a worker cannot return to their prior job, this gives them opportunity to learn a new skill based on their present capabilities.
- Death Benefits: If a worker loses his or her life on the job.
It’s also important to know that most state workers’ compensation programs do not provide coverage for injuries that occur while an employee is not acting within the scope of their employment. For example, if an employee becomes injured while playing football with friends on a day off, this would not be covered by worker’s comp insurance.
Finding the Right Workers’ Comp Coverage
The Insurance Store is happy to assist all San Diego, Temecula and California business owners find the right workers’ comp coverage. Call us today at 800-354-8535 to find out how much we can save you on workers’ comp insurance in California. You may also contact us online anytime and we can have someone from our office call back when convenient for you.