All California employers must provide workers’ compensation benefits to their employees. The minimum policy limits in California are $100,000 per occurrence, $100,000 per employee, and $500,000 for the policy limit. Click here to learn more about California state requirements.
Workers’ compensation insurance, often referred to as workers’ comp, covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. It also provides coverage for death benefits or rehabilitation costs after an injury.
An employee can only receive workers’ comp benefits if their injury or illness relates to their job duties or employment. Workers’ compensation insurance would cover injuries caused by heavy lifting, falling, or sustaining other work-related injuries. However, if an employee sustains an injury while not on the job, then the insurance does not apply.
Some major items that workers’ compensation insurance covers include:
California workers’ compensation will typically cover most work-related illnesses or injuries. If an employee sustains an injury while not on the job, or if the employee was engaged in an illegal activity, then the insurance does not apply.
Workers’ compensation insurance is required by law in the state of California. It protects not only your employees, but your small business too.
This coverage pays for injured employee’s medical care, as well as physical rehabilitation. It helps to replace the lost wages when an employee is unable to work. Above all, it helps you from getting sued by injured workers in majority of cases.
Starco Insurance helps your business establish a comprehensive workers’ comp plan that protects you and your employees. Contact us or give us a call for more information at 888-400-4004.