What is Workers Comp Insurance?
Team members are your most valued treasure, and you can protect them and your company with California Workers Compensation Insurance (workers comp).
Workers' compensation insurance is a state-mandated insurance plan that delivers earnings, medical benefits, and rehabilitative services for employees injured or hurt on the job or while carrying out occupational duties.
It ensures that hurt workers are given financial restitution for medical care and for a part of the income they lose while they are incapable to work. Workers' compensation insurance also helps safeguard employers from legal actions initiated by workers injured at work.
Get a workers comp insurance quote for your Camp Pendleton South business today.
How Much Does Workers Comp Insurance Cost?
The rate for your worker's compensation insurance is largely established on 3 things: the kind of job conducted or classification, pay-roll, and prior loss experience. The insurance company is mandated to report this info to the governmental bureau overlooking this state-mandated insurance plan. If your company is of sufficient size, the state will publish an experience modification factor that will immediately impact your insurance rates.
As the range of worker's compensation coverage is the same for an insurer, a large number of buyers are inclined to concentrate on price. Nevertheless, it is every bit as important to acknowledge the value of risk control and also claims to handle services. These 2 aspects play a substantial role in the determination of your workers' compensation experience modification factor. Ignoring them might terminate any preliminary savings associated with a reduced rate.
Workers’ Compensation Benefits
California workers' compensation benefits include:
- Medical treatment for the work-related injuries
- Wage loss or short-term disability benefits
- Permanent loss of function or permanent disability benefits
- Retraining or work displacement benefits
A seriously injured worker becomes eligible for California workers' compensation coverage by submitting a workers compensation claim form for a work personal injury. Before benefits are paid, the insurance provider must decide if it is going to accept that there is a work injury. The worker will receive forms from the insurance provider with its conclusion. A hurt worker that is not getting benefits can file an Application for Adjudication of Claim, demand a Mandatory Settlement Conference, and then a trial on the benefit being refused.
Why Choose C'side Insurance Agency
- Fast, Free Quotes
We can help you compare insurance policies that will fit your company’s budget and needs. We’ll find you the best policy available in California. - Locally Owned, Family Business
When you contact us, you will be working with the owner directly. No robots, cookie-cutter policies, we will treat you like family… - No High Broker Fees
We are a small family-owned agency, we do not charge high broker fees. - No Automated Phone Service
Real Live People to Assist Your Needs All Hours- No Call Centers - We Accept All Credit Cards
You can pay your policy using any major credit card at no additional charge.
