Workers Compensation Insurance California

What is Workers Compensation?

Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses. Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical services. 

Do I need to purchase a Workers Compensation Policy?

Generally, "yes," Workers compensation is a state-mandated, "no-fault" insurance system. Some employers may be exempt from workers compensation, be sure to ask your agent for more information about this subject. Employers have a legal responsibility to their employees to make the workplace safe.  To protect you from lawsuits from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents.

Workers compensation insurance serves two purposes:
 It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work

It usually protects employers from lawsuits by workers injured while working.

WHAT CAN I DO TO REDUCE MY WORKERS COMP PREMIUMS?

• Manage Your Risks
• Take Advantage of Saving Opportunities
• Be Sure Your Premium is Correctly Figured
• Raise Your Deductibles
• Try to Avoid Assigned Risk
• Coordinate Disability Programs