Workers Compensation Insurance

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New in business? Lapse in coverage? Insured, but looking for better rates?  - Give us a call or fill in the on-line form to get the quote. To start saving you do not have to wait for the renewal date of your existing policy. We take business midterm.

State of California law requires that every employer provide Workers Compensation insurance on their employees. This insurance covers accidents or disease arising from employment. Benefits include lost wages, medical expenses, rehabilitation, and permanent disfigurement/disability payments.

Does your business have to have Workers' Compensation insurance? In most cases, if you have any employees, the answer is yes.

Failure to carry Workers' Compensation insurance exposes the employer to pay what the insurer would have paid, plus severe fines, and possibly jail time for violating the law. The benefits may amount to hundreds of thousands of dollars. The employer has a legal duty to ensure that employees get the legally mandated benefits without delay.

Want to stay in control of your Workers Compensation Costs?

• Hire good employees. You can eliminate 90% of all problem employees by pre-screening new hires. Conduct technical and safety training; consider pre-start date testing.
• Make sure your experience modification is calculated correctly.  There is a good chance it’s wrong and you are overcharged.
• Stay in control of open claims. By closing open claims you can lower down your workers compensation premiums.
• Establish a modified work program to facilitate return-to-work. It helps reduce the costs of the claims.
• Be certain your employees are properly classified
• Make safety part of your culture.
• Establish appropriate first aid program.

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