Types of Coverage
Workers’ Compensation Insurance
Workers’ Compensation Insurance covers medical expenses and lost income of your employees if they are hurt in the course of performing work-related activities. Workers’ Compensation is a no-fault system of compensation in which employees who are injured at work may obtain payment for lost wages, medical costs, and occupational rehabilitation expenses without regard to their personal negligence or fault. In exchange for this no-fault system, employees give up their right to sue their employers directly for negligence or other damages. Minimum Limits of Liability in California is $1 Million.
California law requires that employers provide “workers’ compensation” to employees who are injured on the job, or who become ill directly because of their occupation. Workers’ Compensation Insurance helps employers pay for these benefits, including the cost of medical care, lost wages, and rehabilitation services. Workers’ Compensation is not a substitute for health or medical insurance, since employees are only covered for on-the-job injuries or illnesses.
Find out more! Call us at 925-516-4700 or fill out our Contractors Insurance Request Form to get started.