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[av_toggle title=’Do I really need Workers’ Compensation insurance for my contracting business in California?’ tags=”]
In a nutshell, yes. You don’t just need it, you MUST have it to do business in California. It is required by California state law, even if you have only one employee. Some contractors need to carry Workers’ Compensation insurance even if they have no employees but themselves. Even temporary employees must be covered by your Workers’ Compensation policy.
The reason is simple. Workers’ Compensation protects workers who are injured on the job or develop a work-related illness. It makes payments directly to workers to make up for some of the wages lost due to work-related injury or illness. It also helps pay their medical expenses, including rehabilitation costs. Without Workers’ Compensation insurance, employers are responsible forpayingall costs stemming from a work-related accident or illness.
In fact, if you don’t have Workers’ Compensation insurance for your contracting business you are breaking the law. Under California law, it is a misdemeanor and you could be fined as much as $10,000 or sent to jail for up to a year. The state will also issue a stop order that prevents you from using any employee labor until you have a Workers’ Compensation policy.
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[av_toggle title=’Doesn’t the state of California provide Workers’ Compensation insurance that I can buy?’ tags=”]
California requires you to have Workers’ Compensation coverage but it does not provide it. You must buy a Workers’ Compensation policy from an insurer licensed to do business in California or you must become a self-insured employer. Only companies with a net worth of 5 million and a net annual income of $500,000 may become self-insured. Even then, approval from the state and a security deposit are required. The vast majority of contractors purchase coverage through an insurance agency or broker licensed to sell Workers’ Compensation policies in California.
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[av_toggle title=’Do my employees contribute to the cost of Workers’ Compensation insurance?’ tags=”]
Sorry, but no. California requires employers to pay for the Workers’ Compensation policy that covers their employees.
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[av_toggle title=’Isn’t there a lot of administrative work involved with Workers’ Compensation?’ tags=”]
Small contractors often worry about having to do a lot of paperwork. Yes, there are a few things you will have to do, but your insurance carrierwill get you started and usually acts as administrator. The state of California providesinformation for employers and employees on the Division of Workers’ Compensation website.
There is a posting requirement, which is easy to meet. When you receive the “Notice to Employees” poster, simply hang it up in a place where employees will see it—maybe in a lunch or break area, or near the water cooler. There is also a pamphlet you must give to new employees, explaining their rights and responsibilities if they suffer a work-related injury or illness.Your insurance carrier should give you a supply of claim forms that employees must complete when a work-related injury or illness occurs. As the employer, you will also need to submit a report for each incident. There are tight deadlines for these items, so it’s important to act promptly.
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[av_toggle title=’Why do employees have to go to specific doctors when they make a Workers’ Compensation claim?’ tags=”]
California’s Division of Workers’ Compensation has approved certain groups of doctors, or Medical Provider Networks (MPN), to treat employees who have submitted Workers’ Compensation claims. Each insurance carrier has its own MPNs, but some allow employees to pre-designate their own personal doctor.
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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START SAVING TODAY
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NOTICE:
We are not a marketing company. We do not sell your information, all information goes directly to an expert insurance broker. Serious inquiries only.
California License #0G05840
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[av_testimonial_single src=” name=’Anwaar S.’ subtitle=’Chula Vista, CA’ link=’http://’ linktext=”]
“Most agents sell you an insurance policy and forget about servicing it. I am glad to know that my agent is not like that. Very attentive to my needs and I get my certificates right the way Thank you again for being great agent”
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[av_testimonial_single src=” name=’Joe R.’ subtitle=’San Jose, CA’ link=” linktext=”]
“Southern State Insurance has been our provider of business liability insurance for the past 2 years. They are very responsive when need anything, and we find their pricing to be competitive. We are happy with the insurance services we have with Southern State.”
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[av_testimonial_single src=” name=’Chris C.’ subtitle=’Fresno, CA’ link=” linktext=”]
“Great company,great service Anyone who answers the phone is able to take care of all my requests… Nick,Carolina,Karen or Alfa
Good price and even better service”
Owner Colbern Communications
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[av_testimonial_single src=” name=’Attila V.’ subtitle=’San Diego, CA’ link=” linktext=”]
“After being ripped off at other insurance places i came down to this office where they were able to get me a significantly lower rate and got rid of my previous issue i had with my other company. everyone was friendly and cheerful 6 months later i got a call from Alfa who was so nice she was able to get my insurance down another 5$ monthly and still keep my benefits. I’m definitely sticking with these guys forget those other rip offs.”
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