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Workers Compensation Insurance in Sunnyvale CAAs an independent contractor in Sunnyvale, 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 Sunnyvale 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 Sunnyvale CA 94085 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

Most mid-sized businesses in Sunnyvale will usually have at least an employee or 2. Hence, 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 occurs to any of your staff members.

Workers’ compensation insurance coverage in Sunnyvale CA is an insurance policy that supplies wage replacement and medical costs to your staff members in case they are hurt. This policy is in exchange for mandatory relinquishment 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 claims by their staff members. Often, the suits can cause monetary damages resulting in the business to become insolvent when the damages awarded are too expensive for the employer to manage. Therefore, this system of cumulative liability was adopted to fix the issue.

The compensation strategies in Sunnyvale differ among jurisdictions. However, in general terms, a form of disability insurance through replacement of earnings can be adopted. There will also be compensation for the financial loss for the hurt staff member, payment or compensation of medical costs in addition to benefits awarded to the staff members’ dependents in case of death.

As a company owner, you should understand why such an insurance coverage comes in handy. Apart from saving you from lawsuits that can damage your credibility, 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 coverage are controlled by the individual states and areas business is located. Thus, 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 operates in that location, and therefore you can change the policy appropriately.

Generally, damages sought for pain and suffering due to the carelessness of the employer along with punitive 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

Sunnyvale Workers Compensation InsuranceNot 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. In some cases, the state laws will enable the owners to get the compensation plan for themselves (as their own workers) if they want.

Some states also do not require the business to have compensation insurance plan in place if the staff members are entirely paid on commission. Depending on the state, the law may treat uninsured contractors 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. Many companies take measures to ensure that their work environment is safe, but accidents do take place, and livelihoods are lost as a result. Thus, getting workers’ compensation insurance will protect both you and your employees in case of an accident.

Learn More About Sunnyvale CA 94085

Sunnyvale is a city in Santa Clara County, California with a total population of approximately 21,247. Sunnyvale, which uses the 408/669/650 area code, is located at 37.3886, -122.017 at an elevation of 87 feet. There are over 7,674 households and on average there are 2.75 people in each household with a median age of 32.1. The average income in the area is $97,643 and the average home value is $568,500.