Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, California requires that employers carry Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

If you have employees, you are required to carry Workers Compensation coverage.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in the state of California, businesses are required to purchase workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

California laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered can be complicated.  In California, there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Premier 360 has a program that can help you lower costs on your workers compensation premium.  We have experts on our team that have more than 30 years of claims handling experience.  Let the experts handle your workers compensation concerns!

Contact us today!  Contact Us or fill in the Workers Compensation Quote and we will be in touch!