As an independent contractor in Imperial 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 Experts Near Me In Imperial 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 Imperial 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 Imperial County will generally have at least an employee or more. Thus, as an entrepreneur, 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 Imperial County CA is an insurance policy that provides wage replacement and medical expenditures to your workers in case they are injured. This policy is in exchange for necessary forfeiture of their right to take legal action against the company for compensation.
Why This Policy Is Handy
This policy serves to protect the company from punitive lawsuits by their employees. Sometimes, the suits can cause financial damages resulting in the business to become insolvent when the damages granted are too high for the employer to afford. Thus, this system of cumulative liability was adopted to resolve the concern.
The compensation plans in Imperial County differ amongst jurisdictions. Nevertheless, in general terms, a type of disability insurance in the form of replacement of incomes can be adopted. There will also be compensation for the financial loss for the injured worker, payment or reimbursement of medical costs in addition to benefits awarded to the workers’ dependents in case of death.
As an entrepreneur, you should understand why such an insurance coverage is handy. Apart from saving you from suits that can damage your credibility, it also prevents you from shutting down due to high damages granted to the injured employee.
The Policy Is Not Standardized
The workers’ compensation insurance coverage are controlled by the individual states and territories business is located. Therefore, there isn’t a single guideline that is followed when awarding damages. Hence, when your company expands to other states, it would be prudent to discover from your attorney how the law works in that area, and therefore you can change the policy accordingly.
Generally, damages sought for pain and suffering due to the neglect of the company as well as compensatory damages for the company are not covered by the workers’ compensation plan. Thus, it would be prudent for the company to make sure that none of their policies or operations directly put the staff members 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 collaborations) will not require the insurance coverage unless they have staff members who aren’t also owners. Often, the state laws will enable the owners to get the compensation plan for themselves (as their own staff members) if they want.
Some states also do not need the business to have compensation insurance plan in place if the employees are entirely paid on commission. Depending on the state, the law might deal with uninsured professionals as workers in case they are hurt while working for you.
Getting the Plan
As a rule, if you have staff members who aren’t owners, then it is a requirement to have such compensation insurance plans in place. A lot of employers take measures to ensure that their workplace is safe, but accidents do occur, and livelihoods are lost as a result. Hence, getting workers’ compensation insurance will protect both you and your staff members in the event of a mishap.
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