Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.
Workers’ compensation insurance can help protect your business and employees in events such as these:
Workers’ compensation insurance will help pay for the medical expenses needed to treat these job related injuries and illnesses. Workers’ compensation will also help employees keep their income while they take time off to recover.
Find out how you help your business and your employees by getting a Workers Compensation quote today.
Workers’ compensation insurance is required by law in California by both the state and the Contractors State License Board. If you are a licensed contractor in California, your license can be suspended if you have employees but do not carry workers compensation insurance. Specialists at DG Insurance can help explain the specific obligations required to maintain compliance and help ensure businesses get the coverage they need.
The question of what is an employee is a simple question with a complex answer. The Division of Labor Standards and Enforcement (DLSE) starts with the presumption that the worker is an employee, rather than presuming they are an independent contractor. From there the DLSE would apply the “multi-factor or “economic realties” test. All employers should familiarize themselves with these criteria, which can be found on the Department of Industrial Relations website (link).
When employees suffer a work related injury or illness, Workers’ Compensation protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.
We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can’t return to work, the coverage can provide a long-term benefits.
The advantages of coverage include:
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