Workers’ Compensation Insurance
Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers compensation coverage provides your employees with protection they need, and provides you with peace of mind that they’ll be covered.
Workers’ compensation insurance is mandatory for California businesses to carry if they have one or more employees. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.
Workers’ Comp Insurance Basics
Regardless of whether you have a commercial insurance package, California workers compensation insurance must be purchased as a separate policy. Since workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.
Injuries that may be covered by workers’ comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
Workers’ Compensation Insurance may cover:
- Medical expenses
- Lost income/wages
- Rehabilitation costs
- Death benefits
- And more…
It does not cover:
- Third-party lawsuits.
- Lawsuits over professional errors.
- Wages for a replacement worker.
- Parental leave benefits.
- OSHA penalties.
The J. Morey Company, Inc. specializes in covering local businesses like yours. We have everything you need, including:
- Monthly payment options to help spread out your payments so you can better manage your cash flow
- Coverage of temporary staff, full-time employees, and independent contractors
- Tailored coverage for the specific risks of your field and industry
- Knowledgeable agents who provide exceptional service
- Fast and simple quotes, helpful agents, and immediate coverage
The J. Morey Company is ready to guide you through the process of determining what kind of California workers compensation covers your business needs. Our agents are well trained on laws involving workers compensation in California and can determine your ideal coverage. Without the appropriate California workers compensation insurance, you risk facing monetary fines or even criminal charges.
The J. Morey Company Difference
You may think the cheapest policy will do, but realize that you might not be getting everything that you think would be included. While a majority of insurance policies are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you in when you need to file a claim.
We’re here for you. We’re here to protect our clients, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
No such thing as a one-size-fits-all insurance policy.
At The J. Morey Company, we understand that options can sometimes be overwhelming. Our knowledgeable and helpful agents can work with you to find the coverage you need.
Request a quote now and let the professionals at The J. Morey Company help you find the best California workers’ compensation insurance policy for your needs.