Workers Compensation Insurance in Santa Cruz County CAAs an independent contractor in Santa Cruz 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 Santa Cruz 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 Santa Cruz 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

The majority of mid-sized businesses in Santa Cruz County will typically have at least a worker or more. Thus, 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 happens to any of your employees.

Workers’ compensation insurance coverage in Santa Cruz County CA is an insurance policy that provides wage replacement and medical expenses to your staff members in case they are hurt. This policy is in exchange for compulsory forfeiture of their right to take legal action against the employer for compensation.

Why This Policy Is Handy

This policy serves to protect the company from punitive claims by their workers. Often, the claims can cause financial damages causing the business to become insolvent when the damages awarded are too expensive for the employer to manage. Therefore, this system of collective liability was adopted to solve the issue.

The compensation strategies in Santa Cruz County differ amongst jurisdictions. Nevertheless, in general terms, a type of disability insurance in the form of replacement of earnings can be adopted. There will also be compensation for the financial loss for the hurt staff member, payment or reimbursement of medical expenses along with benefits awarded to the employees’ dependents in case of death.

As an entrepreneur, you should understand 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 staff member.

The Policy Is Not Standardized

The workers’ compensation insurance policies are regulated by the individual states and areas the business is located. Thus, there isn’t a single rule that is followed when granting damages. Thus, when your company expands to other states, it would be prudent to find out from your lawyer how the law works in that location, and therefore you can change the policy accordingly.

Usually, damages sought for pain and suffering due to the neglect of the employer along with compensatory damages for the employer are not covered by the workers’ compensation plan. Thus, 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

Santa Cruz County Workers Compensation InsuranceNot all companies need to have workers’ compensation insurance in place. For example, small companies (specifically sole proprietorships and collaborations) will not require the insurance coverage unless they have staff members who aren’t also owners. Often, 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 employees are solely paid on commission. Depending on the state, the law may treat uninsured specialists 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. A lot of employers take measures to ensure that their work environment is safe, but accidents do take place, 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 Santa Cruz County

Learn More About Santa Cruz County CA

Santa Cruz County is just one of the many counties in California that we serve.,_California