Affordable Commercial Insurance
(855) 244-0636

GENERAL LIABILITY

COMMERCIAL AUTO

WORKER'S COMPENSATION

BONDS

CLAIMS

CONTACT

Workers' Compensation Quote

Workers' compensation laws protect people who are injured on the job. They are designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, eliminating the need for litigation.

Workers' compensation insurance can help protect your business and employees in events such as these:
  • An employee is injured in an auto accident while running errands for the company
  • An associate develops carpal tunnel syndrome from working on the computer
  • An employee gets hurt while restocking the supply room
  • Workers' comp. insurance programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment - such as while playing football with friends on a day off.

    Workers Compensation For Business Owners

    In most states sole proprietors and partnerships are not required to purchase workers compensation unless and until they have employees who aren't owners. Most states will allow sole proprietors and partners to cover themselves for workers comp if they choose to. Some states don't require employees to be covered if they are paid solely on commission.

    Workers Compensation For Businesses With Employees

    Workers' compensation provides no-fault industrial insurance coverage for most employers and workers.

    Workers who are unable to work due to accepted conditions related to an industrial injury or occupational disease may be eligible for partial wage replacement benefits.

    Generally, all employees of the company, as legally defined, including corporate officers and directors, must be included in the policy unless they are the sole owners of the firm. In the case of sole owners, they may elect not to be covered.

    Do I really need Workers? Compensation insurance for my contracting business in California?

    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.

    Why do employees have to go to specific doctors when they make a Workers? Compensation claim?

    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.

    california workers compensation infographic

    Workers' Compensation Quote

    Zip Code  
    Name
    Email
    Phone
    We process quotes for Workers' Compensation Quote through our network of carriers and consult with you on the best rates and insurance for your industry and company needs for free.
        GET QUOTE NOW

     or call us toll-free at (855) 773-1100
    for information and pricing

    You Are a Click or Call Away from the Best Quote for Small Business Insurance
    LEARN MORE

    Liability Insurance for Business
    Contact Us
    Free Insurance Agent Quotes: 855-244-0636
    Office: 855-244-0636
    Fax: 619-336-3818
    Visit us in our San Diego insurance office Monday through Saturday
    Map to San Diego Contractor Insurance Agency Business World Insurance Agency
    Commercial Business World
    7800 University Blvd
    La Mesa, CA 91942

    Insurance in California, Texas and
    Arizona. CA, TX, AZ
    Our Insurance
    San Diego Contractors General Liability General Liability
    San Diego Workers Compensation Quotes Workers' Compensation
    Commercial Auto
    San Diego California CA Errors & Ommissions Policy Errors & Omissions
    California Product Liability Insurance Product Liability
    California Professional Liability Quotes Professional Liability
    California East County Contractor Bonds Liability Insurance Blog
    California Los Angeles Contractor Bonds Complete List
    Case Studies
    CA Contractor Insurance Contractor's Insurance
    CA Handyman Insurance Handyman Insurance
    Home Inspectors Insurance
    CA Garage Liability Garage Owners Insurance
    A HVAC Installer Insurance HVAC Installer Insurance
    CA Daycare Insurance Daycare Center Insurance
    CA Retail Store Insurance Retail Store Insurance

    California Broker License #0K70738
    Arizona Broker License #1084371
    Texas General Lines Agency: #2091951

    © Copyright 1999-2018     m | d

    San Diego Adwords Management
    Nika Skin Care Salon, Laguna Niguel