As an independent contractor in Butte County, there are times when the folks working for you fall into gray areas where you may or may not need workers compensation insurance coverage. Do you fully understand the laws and obligations? We do, and it’s still hard to explain or just depends upon your individual situation. Don’t presume or take the word of someone who “may” know. Protect yourself, your interests and your workers and call the experts at California Contractors Insurance. We’ll give it to you straight and tell you exactly the type of workers compensation insurance you need.
Workers Compensation Insurance Company Near Me In Butte County California
The worker’s compensation insurance experts at California Contractors Insurance have years of experience in the field of contractors insurance. Each of our highly skilled and certified agents is adept at designing workers compensation insurance policies that will meet the Butte County CA legal requirements and the comprehensive coverage you and your workers need. Do you know what your obligations are when it comes to workers compensation insurance? Don’t guess and hope, find out and get covered. Trust us, you’ll sleep better knowing you have the coverage you need and require. As an independent contractor, you have enough to worry about, let us help provide you with the peace of mind you need.
Free Workers Compensation Insurance Quote – (888) 728-4034
Workers compensation insurance and health insurance are not the same things. Know the difference? We do, so call California Contractors Insurance at (888) 728-4034 and we’ll provide you with the right coverage your business needs. Request a free, no-obligation quote today and protect your business and your workers today. You’ll be glad you did.
Comprehending Workers’ Compensation Insurance and More
Many mid-sized businesses in Butte County will usually have at least an employee or more. Therefore, as a company owner, having some knowledge on how workers’ compensation insurance works will go a long way in saving you a grand headache and financial damages in case something takes place to any of your staff members.
Workers’ compensation insurance coverage in Butte County CA is an insurance policy that offers wage replacement and medical costs to your employees in case they are hurt. This policy is in exchange for obligatory forfeiture of their right to take legal action against the employer for compensation.
Why This Policy Is Practical
This policy serves to protect the employer from punitive claims by their workers. Sometimes, the claims can cause financial damages leading to the business to become insolvent when the damages granted are too high for the company to pay for. Therefore, this system of collective liability was adopted to fix the issue.
The compensation plans in Butte County vary among jurisdictions. Nevertheless, in general terms, a form of disability insurance through replacement of incomes can be adopted. There will also be compensation for the economic loss for the hurt staff member, payment or repayment of medical expenditures in addition to benefits awarded to the workers’ dependents in case of death.
As a business owner, you should comprehend why such an insurance policy is handy. Apart from saving you from claims that can damage your reputation, it also prevents you from shutting down due to high damages granted to the hurt worker.
The Policy Is Not Standardized
The workers’ compensation insurance plans are managed by the individual states and territories business is located. Thus, there isn’t really a single rule that is followed when granting damages. Thus, when your company expands to other states, it would be prudent to discover from your attorney how the law operates in that area, and therefore you can adjust the policy accordingly.
Generally, damages sought for pain and suffering due to the neglect of the company as well as punitive damages for the employer are not covered by the workers’ compensation plan. Therefore, it would be prudent for the employer to make sure that none of their policies or operations directly put the workers at risk of injury even if such an insurance plan remains in place.
Not All Businesses Apply
Not all companies have to have workers’ compensation insurance in place. For example, small companies (specifically sole proprietorships and partnerships) will not require the insurance coverage unless they have staff members who aren’t also owners. In some cases, the state laws will permit the owners to get the compensation plan for themselves (as their own employees) if they want.
Some states also don’t require the business to have compensation insurance plan in place if the staff members are entirely paid on commission. Depending on the state, the law may deal with uninsured professionals as staff members in case they are injured while working for you.
Getting the Plan
As a rule, if you have workers who aren’t owners, then it is a requirement to have such compensation insurance plans in place. Most companies take measures to guarantee that their workplace is safe, but accidents do occur, and livelihoods are lost as a result. Hence, getting workers’ compensation insurance will safeguard both you and your staff members in the event of a mishap.
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