California Workers Compensation Insurance

The main purpose of Workers Compensation Insurance is to protect an employer from any claim that may arise from an injury to an employee. It secures your business from possible lawsuits and provides compensation for an employee who experienced an injury on the job.

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What does Workers Compensation cover?

Under state law, workers compensation covers an injury that occurred on the job. It does not matter where the employee was or when. If they were working on job related tasks, the injury will be covered. Workers Compensation covers lost wages, medical expenses, ongoing medical care costs, and in the worst case, funeral costs. When talking about the scope of what medical expenses will be covered, emergency room visits are included, surgeries, medication, etc. If your employee has any missed wages, this insurance will be able to replace a portion of the lost income. Ongoing medical care would be covered if your employee has been seriously injured and will need more treatment. Funeral costs will be covered in the case that your employee passes away due to a work-related incident.

What is not covered by Workers Compensation?

This really depends on your plan and which carrier you purchase the coverage from. Under some plans, certain workers are not eligible for Workers Compensation including volunteers, independent contractors (1099), business owners, business partners, etc.

Who pays for Workers Compensation benefits?

An employer pays for the Workers Compensation benefits. In the case that there is a claim, the Insurance Carrier will investigate and see what is owed. Once the investigation is complete, the injured employee will receive the benefits.

What should an employee do if hurt on the job?

If an employee is hurt on the job, these are the steps that should be taken:

  • Notify your supervisor about what happened as soon as you can. If an employee does not notify their supervisor within 30 days, the employee may lose the ability to claim and Workers Compensation benefits.

  • If in need of medical treatment, the employee should contact a health provider. The health provider should be authorized by the Workers Compensation Carrier unless it is an emergency situation.

  • The Employer needs to contact the Employee in writing and a claim must be completed on a (C-3 Form). Once the form is completed it should be mailed to the Workers Compensation Board.

If an employee is receiving a workman’s compensation benefits, are they eligible for disability or social security benefits?

In most cases the answer would be yes. If an employee qualifies for Disability and Workers Compensation Benefits they should receive payment for both.