Workers Compensation Insurance in San Bernardino County CAAs an independent contractor in San Bernardino 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 San Bernardino 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 San Bernardino 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

Most mid-sized businesses in San Bernardino County will usually have at least an employee or 2. 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 occurs to any of your workers.

Workers’ compensation insurance coverage in San Bernardino County CA is an insurance policy that offers wage replacement and medical expenses to your employees in case they are hurt. This policy is in exchange for mandatory forfeiture of their right to take legal action against the company for compensation.

Why This Policy Is Useful

This policy serves to protect the company from punitive lawsuits by their staff members. Sometimes, the suits can cause monetary damages leading to the business to become insolvent when the damages granted are too expensive for the employer to afford. Therefore, this system of collective liability was adopted to fix the concern.

The compensation strategies in San Bernardino County vary amongst jurisdictions. However, in general terms, a kind of disability insurance through replacement of incomes can be adopted. There will also be compensation for the financial loss for the injured employee, payment or reimbursement of medical costs along with benefits granted to the workers’ dependents in case of death.

As an entrepreneur, you should understand why such an insurance policy comes in 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 hurt worker.

The Policy Is Not Standardized

The workers’ compensation insurance coverage are managed by the individual states and areas the business is located. Therefore, there isn’t a single guideline that is followed when granting damages. Hence, when your company expands to other states, it would be prudent to find out from your attorney how the law operates in that area, and therefore you can change the policy appropriately.

Generally, damages sought for pain and suffering due to the carelessness of the employer as well as punitive 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 just because such an insurance plan is in place.

Not All Businesses Apply

San Bernardino County Workers Compensation InsuranceNot all companies have to have workers’ compensation insurance in place. For instance, small companies (especially sole proprietorships and partnerships) won’t need the insurance coverage unless they have employees 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 workers) if they wish.

Some states also don’t require the business to have compensation insurance plan in place if the employees are exclusively paid on commission. Depending upon the state, the law may treat uninsured professionals as employees 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. Most employers take measures to guarantee that their work environment is safe, but accidents do occur, and incomes are lost as a result. Thus, getting workers’ compensation insurance will safeguard both you and your employees in case of an accident.

Cities We Serve In San Bernardino County

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