As an independent contractor in Mendocino 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 Mendocino 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 Mendocino 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
The majority of mid-sized businesses in Mendocino County will typically have at least a worker or two. Thus, 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 workers.
Workers’ compensation insurance coverage in Mendocino County CA is an insurance policy that supplies wage replacement and medical expenditures to your employees in case they are hurt. 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 employer from punitive lawsuits by their staff members. In some cases, the claims can cause financial damages resulting in the business to become insolvent when the damages awarded are too high for the employer to pay for. Hence, this system of collective liability was adopted to fix the problem.
The compensation strategies in Mendocino County vary among jurisdictions. However, in general terms, a form of disability insurance through replacement of earnings can be adopted. There will also be compensation for the economic loss for the hurt staff member, payment or repayment of medical expenses as well as benefits granted to the employees’ dependents in case of death.
As a business owner, you should comprehend why such an insurance policy is handy. Apart from saving you from lawsuits that can damage your track record, 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 policies are controlled by the individual states and areas business is located. Thus, there isn’t a single rule that is followed when awarding damages. Therefore, when your company expands to other states, it would be prudent to find out from your lawyer how the law works in that area, and therefore you can adjust the policy accordingly.
Normally, damages sought for pain and suffering due to the negligence of the company as well as punitive damages for the company 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 staff members at risk of injury just because such an insurance plan is in place.
Not All Businesses Apply
Not all companies need to have workers’ compensation insurance in place. For example, small companies (especially sole proprietorships and partnerships) won’t need the insurance coverage unless they have staff members who aren’t also owners. Sometimes, the state laws will allow 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 workers are exclusively paid on commission. Depending upon the state, the law might treat uninsured specialists as workers in case they are hurt 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 companies take measures to make sure that their workplace is safe, but accidents do occur, and incomes are lost as a result. Therefore, getting workers’ compensation insurance will protect both you and your workers in the event of an accident.
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