As an independent contractor in San Mateo 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 Mateo 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 Mateo 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 San Mateo County will generally have at least a staff member or more. Therefore, as a business 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 Mateo County CA is an insurance policy that offers wage replacement and medical expenses to your employees in case they are injured. This policy is in exchange for necessary forfeiture of their right to sue the employer for compensation.
Why This Policy Is Practical
This policy serves to protect the company from punitive suits by their employees. Often, the suits can cause monetary damages resulting in the business to become insolvent when the damages awarded are too high for the employer to pay for. Therefore, this system of cumulative liability was adopted to fix the issue.
The compensation plans in San Mateo County differ amongst jurisdictions. However, in general terms, a kind 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 repayment of medical costs as well as benefits granted to the employees’ dependents in case of death.
As a business owner, you should comprehend why such an insurance coverage comes in handy. Apart from saving you from suits that can damage your reputation, it also prevents you from closing down due to high damages granted to the injured employee.
The Policy Is Not Standardized
The workers’ compensation insurance policies are regulated by the individual states and areas 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 discover from your lawyer how the law works in that location, and therefore you can change the policy accordingly.
Typically, damages sought for pain and suffering due to the carelessness of the company in addition to 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 workers at risk of injury just because such an insurance plan is in place.
Not All Businesses Apply
Not all companies have to have workers’ compensation insurance in place. For instance, small companies (particularly sole proprietorships and partnerships) will not require the insurance coverage unless they have employees who aren’t also owners. Sometimes, 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 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 deal with uninsured contractors as staff members 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. Most employers take measures to guarantee that their workplace is safe, but mishaps do occur, and livelihoods are lost as a result. Thus, getting workers’ compensation insurance will safeguard both you and your workers in case of a mishap.
- Workers Compensation Insurance Atherton CA
- Workers Compensation Insurance Belmont CA
- Workers Compensation Insurance Brisbane CA
- Workers Compensation Insurance Burlingame CA
- Workers Compensation Insurance Daly City CA
- Workers Compensation Insurance El Granada CA
- Workers Compensation Insurance Half Moon Bay CA
- Workers Compensation Insurance La Honda CA
- Workers Compensation Insurance Loma Mar CA
- Workers Compensation Insurance Menlo Park CA
- Workers Compensation Insurance Millbrae CA
- Workers Compensation Insurance Montara CA
- Workers Compensation Insurance Moss Beach CA
- Workers Compensation Insurance Pacifica CA
- Workers Compensation Insurance Pescadero CA
- Workers Compensation Insurance Portola Valley CA
- Workers Compensation Insurance Redwood City CA
- Workers Compensation Insurance San Bruno CA
- Workers Compensation Insurance San Carlos CA
- Workers Compensation Insurance San Gregorio CA
- Workers Compensation Insurance San Mateo CA
- Workers Compensation Insurance South San Francisco CA