Beware the 1099! Significant changes in workers compensation laws have changed very recently, so if you pay by 1099 you might not be compliant with state laws. All California businesses are required to carry work comp even if they have one employee. Even if you employ a family member, workers compensation is still required. We work with a variety of carriers to find coverage for you. Questions? Give us a call, we can help!
Worker's Compensation Insurance
Workers Compensation protects both the employee and the employer by covering the employee with temporary finances due to workplace injury, thus relieving the employer of those costs.
- Medical costs to treat immediate injuries and illnesses
When an employee is injured on the job, the employer is usually liable. In these cases, Work Comp can pay for emergency room visits, ambulance costs, and other medical bills.
- Lost Wages
When your employee is injured on the job, Work Comp will continue to pay a portion of the employee’s wage while they recover..
- Ongoing Care
Sometimes, a work injury or illness will require ongoing care including surgery, rehabilitation or treatment from specialists. The employee may never be able to return to work, but your business may still be responsible for the cost of their care. Work Comp can protect your business in these scenarios.
- Funeral Costs and Death Benefits
If a workplace accident ends with an employee’s death, Work Comp can cover funds for funeral expenses, allowing you, your staff, and the employee’s family to grieve without worrying about finances.
- Legal costs if an employee sues you for a workplace injury
An employee may decide to sue you for damages beyond their wages in the event they are injured at work. Work Comp can provide you the necessary funds to hire an attorney and potentially settle with the employee