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Workman’s Compensation Insurance
Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.
California Business Benefits offers 60+ carriers on commercial and personal lines.
If you would like to know more about Workman’s Compensation Insurance or any other service on the site, please fill out an inquiry, send us an email or give us a call. A professional from our team will reach out.
Click HERE to go to our contact page. A form is also available at the bottom of this page.
Workers’ compensation insurance is required by law in almost every state. Some worker exemptions exist, so you’ll want to check with your state to find out if coverage is mandatory for your business.
Choosing to forgo workers’ comp coverage puts your business at high financial risk. Not only can you face a lawsuit for workplace injuries, but you’ll likely be fined for breaking the law.
Keep in mind, workers’ comp insurance protects not only your employees, but your small business too. For example, if your insurance is compliant with state law, an employee who receives benefits can’t sue you for their injuries or lost wages.
They can, however, sue you for things that aren’t covered under the workers’ comp portion of your policy. Employer’s liability insurance is also included in your policy to pay for court costs and legal fees if you’re involved in such a lawsuit.
The U.S. Department of Labor’s Office of Workers’ Compensation Programs (OWCP) administers four major disability compensation programs which provides to federal workers (or their dependents) and other specific groups who are injured at work or acquire an occupational disease – providing the injured
Wage replacement benefits
Other specific groups are covered by Workmans Compensation Insurance:
These entities serve the specific employee groups who are covered under the relevant statutes and regulations by mitigating the financial burden resulting from workplace injury. Individuals injured on the job while employed by private companies or state and local government agencies should contact their state workers’ compensation board.
The Department of Labor has several programs designed to prevent work-related injuries and illnesses. You may obtain information about these programs by visiting our Workplace Safety and Health page.
Healthcare Marketplace – If you or someone you know has a medical condition not related to a workers’ compensation injury or illness and doesn’t have health insurance, or if you are a physician treating someone without health insurance, please go to Health Insurance Marketplace to learn about the Health Insurance Marketplace created under the Affordable Care Act.
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