As an independent contractor in Shasta 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 Shasta 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 Shasta 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
Most mid-sized businesses in Shasta County will usually have at least an employee or more. 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 takes place to any of your workers.
Workers’ compensation insurance coverage in Shasta County CA is an insurance policy that offers wage replacement and medical expenses to your workers 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 Useful
This policy serves to protect the company from punitive suits by their employees. Often, the lawsuits can cause monetary damages leading to the business to become insolvent when the damages awarded are too high for the employer to afford. Thus, this system of cumulative liability was adopted to solve the problem.
The compensation plans in Shasta County vary amongst jurisdictions. However, in general terms, a kind of disability insurance in the form of replacement of salaries can be adopted. There will also be compensation for the financial loss for the injured worker, payment or reimbursement of medical costs as well as benefits granted to the workers’ dependents in case of death.
As a company owner, you should comprehend why such an insurance coverage is handy. Apart from saving you from claims 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 policies are controlled by the individual states and areas the business is located. Therefore, there isn’t really a single rule that is followed when awarding damages. Thus, when your company expands to other states, it would be prudent to find out from your attorney how the law works in that area, and therefore you can adjust the policy accordingly.
Normally, damages sought for pain and suffering due to the neglect of the company as well as punitive damages for the company are not covered by the workers’ compensation plan. Hence, it would be prudent for the company to make sure that none of their policies or operations directly put the staff members at risk of injury just because such an insurance plan remains in place.
Not All Businesses Apply
Not all companies have to have workers’ compensation insurance in place. For instance, small businesses (specifically sole proprietorships and collaborations) won’t require the insurance coverage unless they have workers who aren’t also owners. Sometimes, the state laws will allow the owners to get the compensation plan for themselves (as their own employees) if they wish.
Some states also do not require the business to have compensation insurance plan in place if the staff members are exclusively paid on commission. Depending upon the state, the law may deal with uninsured specialists as workers in case they are injured 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 ensure that their work environment is safe, but accidents do happen, and livelihoods are lost as a result. Thus, getting workers’ compensation insurance will protect both you and your employees in the event of a mishap.
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