Workers Compensation Insurance in Fresno County CA | California Contractors Insurance |

As an independent contractor in Fresno 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 Specialists Near Me In Fresno 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 Fresno 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.

More About Workers Compensation Insurance

Understanding Workers’ Compensation Insurance and More

The majority of mid-sized businesses in Fresno County will generally have at least a worker or more. Hence, as a business 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 happens to any of your employees.

Workers’ compensation insurance coverage in Fresno County CA is an insurance policy that supplies wage replacement and medical expenditures to your staff members in case they are injured. This policy is in exchange for obligatory relinquishment of their right to take legal action against the employer for compensation.

Why This Policy Is Valuable

This policy serves to safeguard the company from punitive lawsuits by their employees. Sometimes, the lawsuits can cause monetary damages leading to the business to become insolvent when the damages granted are too high for the employer to manage. Thus, this system of cumulative liability was adopted to solve the problem.

The compensation strategies in Fresno County differ amongst jurisdictions. However, in general terms, a kind of disability insurance through replacement of wages can be adopted. There will also be compensation for the economic loss for the injured worker, payment or compensation of medical expenses in addition to benefits awarded to the employees’ dependents in case of death.

As an entrepreneur, you should comprehend why such an insurance coverage is handy. Apart from saving you from claims that can damage your track record, it also prevents you from shutting down due to high damages granted to the injured staff member.

The Policy Is Not Standardized

The workers’ compensation insurance plans are regulated by the individual states and areas 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 works in that location, and therefore you can change the policy appropriately.

Generally, damages sought for pain and suffering due to the negligence 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 company to make sure that none of their policies or operations directly put the employees at risk of injury just because such an insurance plan remains in place.

Not All Businesses Apply

Fresno County Workers Compensation Insurance Not all companies need to have workers’ compensation insurance in place. For instance, small businesses (particularly sole proprietorships and collaborations) will not need the insurance coverage unless they have staff members who aren’t also owners. Sometimes, the state laws will enable the owners to get the compensation plan for themselves (as their own employees) if they want.

Some states also don’t need the business to have compensation insurance plan in place if the workers are exclusively paid on commission. Depending on the state, the law may deal with uninsured specialists as workers in case they are hurt while working for you.

Getting the Plan

As a rule, if you have employees who aren’t owners, then it is a requirement to have such compensation insurance plans in place. Most employers take measures to guarantee that their workplace is safe, but accidents do occur, and incomes are lost as a result. Hence, getting workers’ compensation insurance will protect both you and your employees in case of a mishap.

Cities We Serve In Fresno County

Learn More About Fresno County CA

Fresno County is just one of the many counties in California that we serve.
https://en.wikipedia.org/wiki/Fresno_County,_California

Fresno County Workers Compensation Insurance