As an independent contractor in Tehama 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 Specialists Near Me In Tehama 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 Tehama 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.
Comprehending Workers’ Compensation Insurance and More
The majority of mid-sized businesses in Tehama County will generally have at least a staff member or two. Hence, 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 Tehama County CA is an insurance policy that supplies wage replacement and medical expenditures to your employees in case they are hurt. This policy is in exchange for compulsory relinquishment of their right to take legal action against the employer for compensation.
Why This Policy Is Useful
This policy serves to safeguard the employer from punitive suits by their workers. Often, the claims can cause financial damages leading to the business to become insolvent when the damages granted are too expensive for the company to pay for. Hence, this system of collective liability was adopted to fix the concern.
The compensation plans in Tehama County vary among jurisdictions. Nevertheless, in general terms, a form of disability insurance through replacement of incomes can be adopted. There will also be compensation for the financial loss for the injured employee, payment or compensation of medical expenses 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 lawsuits that can damage your credibility, it also prevents you from shutting down due to high damages awarded to the hurt staff member.
The Policy Is Not Standardized
The workers’ compensation insurance coverage are managed by the individual states and areas the business is located. Thus, there isn’t a single rule that is followed when awarding damages. Hence, 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 change the policy appropriately.
Typically, damages sought for pain and suffering due to the carelessness of the employer as well as compensatory damages for the company 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
Not all companies have to have workers’ compensation insurance in place. For instance, small companies (especially sole proprietorships and partnerships) 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 don’t need the business to have compensation insurance plan in place if the workers are exclusively paid on commission. Depending on the state, the law might deal with uninsured contractors 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. Most employers take measures to guarantee that their workplace is safe, but mishaps do happen, and incomes are lost as a result. Therefore, getting workers’ compensation insurance will protect both you and your employees in case of a mishap.
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