amE3X6n2P4Vz-DhLgFjTr4xrOO2uVzyPC4qI6XgssP0

Workers Compensation Insurance in Selma CAAs an independent contractor in Selma, 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 Selma 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 Selma CA 93662 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 Selma will generally have at least a staff member or two. Therefore, as an entrepreneur, 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 Selma CA is an insurance policy that provides wage replacement and medical costs to your staff members in case they are hurt. This policy is in exchange for mandatory forfeiture of their right to take legal action against the employer for compensation.

Why This Policy Is Handy

This policy serves to safeguard the company from punitive lawsuits by their workers. Sometimes, the claims can cause monetary damages resulting in the business to become insolvent when the damages granted are too high for the company to pay for. Therefore, this system of cumulative liability was adopted to solve the problem.

The compensation strategies in Selma vary amongst jurisdictions. However, in general terms, a form of disability insurance in the form of replacement of salaries can be adopted. There will also be compensation for the economic loss for the hurt staff member, payment or repayment of medical costs in addition to benefits granted to the staff members’ dependents in case of death.

As an entrepreneur, you should comprehend why such an insurance coverage comes in handy. Apart from saving you from claims that can damage your track record, it also prevents you from closing down due to high damages awarded to the injured employee.

The Policy Is Not Standardized

The workers’ compensation insurance plans are regulated by the individual states and territories the business is located. Hence, 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 learn from your attorney how the law operates in that location, and therefore you can adjust the policy appropriately.

Generally, damages sought for pain and suffering due to the carelessness of the employer along with punitive damages for the employer are not covered by the workers’ compensation plan. Therefore, it would be prudent for the employer to make sure that none of their policies or operations directly put the workers at risk of injury even if such an insurance plan is in place.

Not All Businesses Apply

Selma Workers Compensation InsuranceNot all companies have to have workers’ compensation insurance in place. For instance, small companies (particularly sole proprietorships and collaborations) won’t require the insurance coverage unless they have workers 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 do not require the business to have compensation insurance plan in place if the workers are entirely paid on commission. Depending upon the state, the law may deal with uninsured specialists as employees in case they are injured 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 make sure that their work environment is safe, but accidents do happen, and incomes are lost as a result. Hence, getting workers’ compensation insurance will safeguard both you and your employees in case of a mishap.

Learn More About Selma CA 93662

Selma is a city in Fresno County, California with a total population of approximately 30,237. Selma, which uses the 559 area code, is located at 36.55428, -119.643 at an elevation of 296 feet. There are over 8,385 households and on average there are 3.58 people in each household with a median age of 30.2. The average income in the area is $42,752 and the average home value is $172,900.