As an independent contractor in Kings 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 Agency Near Me In Kings 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 Kings 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.
Understanding Workers’ Compensation Insurance and More
Many mid-sized businesses in Kings County will usually have at least a worker 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 happens to any of your workers.
Workers’ compensation insurance coverage in Kings County CA is an insurance policy that offers wage replacement and medical expenditures to your employees 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 Useful
This policy serves to protect the company from punitive claims by their staff members. Sometimes, the claims can cause financial damages causing the business to become insolvent when the damages granted are too expensive for the company to afford. Therefore, this system of collective liability was adopted to resolve the concern.
The compensation strategies in Kings County vary among jurisdictions. Nevertheless, in general terms, a form of disability insurance in the form of replacement of wages can be adopted. There will also be compensation for the economic loss for the hurt employee, payment or repayment of medical expenses as well as benefits awarded to the staff members’ dependents in case of death.
As a company owner, you should comprehend why such an insurance plan comes in handy. Apart from saving you from suits that can damage your credibility, it also prevents you from closing down due to high damages granted to the injured worker.
The Policy Is Not Standardized
The workers’ compensation insurance plans are regulated by the individual states and areas the business is located. Thus, there isn’t a single guideline that is followed when awarding damages. Therefore, when your company expands to other states, it would be prudent to find out from your attorney how the law operates in that location, and therefore you can change the policy appropriately.
Normally, damages sought for pain and suffering due to the carelessness of the employer as well as compensatory damages for the company are not covered by the workers’ compensation plan. Hence, it would be prudent for the employer to make sure that none of their policies or operations directly put the employees at risk of injury even if such an insurance plan is in place.
Not All Businesses Apply
Not all companies have to have workers’ compensation insurance in place. For example, small businesses (especially sole proprietorships and collaborations) will not require 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 workers) if they wish.
Some states also don’t need the business to have compensation insurance plan in place if the employees are entirely paid on commission. Depending on the state, the law may deal with uninsured contractors as workers 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. The majority of employers take measures to guarantee that their work environment is safe, but accidents do take place, and livelihoods are lost as a result. Hence, getting workers’ compensation insurance will safeguard both you and your workers in the event of a mishap.
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