As an independent contractor in San Joaquin 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 San Joaquin 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 Joaquin 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 San Joaquin County will generally have at least a staff member or more. 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 staff members.
Workers’ compensation insurance coverage in San Joaquin County CA is an insurance policy that supplies wage replacement and medical expenditures to your workers in case they are hurt. This policy is in exchange for compulsory forfeiture of their right to sue the employer for compensation.
Why This Policy Is Helpful
This policy serves to protect the company from punitive suits by their staff members. In some cases, the suits can cause monetary damages leading to the business to become insolvent when the damages awarded are too high for the employer to pay for. Thus, this system of collective liability was adopted to solve the concern.
The compensation strategies in San Joaquin County differ among jurisdictions. However, in general terms, a type of disability insurance in the form of replacement of salaries can be adopted. There will also be compensation for the financial loss for the hurt staff member, payment or compensation of medical costs as well as benefits awarded to the workers’ dependents in case of death.
As a company owner, you should comprehend why such an insurance policy comes in handy. Apart from saving you from claims that can damage your credibility, it also prevents you from shutting down due to high damages awarded to the injured employee.
The Policy Is Not Standardized
The workers’ compensation insurance policies are managed by the individual states and areas the business is located. Thus, there isn’t a single rule that is followed when awarding damages. Thus, when your company expands to other states, it would be prudent to discover from your lawyer how the law operates in that area, and therefore you can adjust the policy accordingly.
Typically, damages sought for pain and suffering due to the negligence 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 staff members at risk of injury even if 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 businesses (especially sole proprietorships and partnerships) won’t require the insurance coverage unless they have employees who aren’t also owners. Sometimes, the state laws will permit the owners to get the compensation plan for themselves (as their own staff members) if they want.
Some states also don’t need the business to have compensation insurance plan in place if the staff members are entirely paid on commission. Depending upon the state, the law may treat uninsured professionals 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. A lot of companies take measures to make sure that their work environment is safe, but accidents do happen, and incomes are lost as a result. Therefore, getting workers’ compensation insurance will safeguard both you and your workers in the event of an accident.
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