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Workers' Compensation Insurance for Contractors
Accidents happen. That’s why California contractors workers compensation insurance is so important. It not only supports employees who are injured on the job—it also keeps your company secure, providing protection against lawsuits resulting from workers’ on-the-job injury or illness.
When a workplace injury occurs, it doesn’t matter who is at fault for the incident: all employees are entitled to receive prompt treatment, and California contractors workers compensation insurance ensures that they will get it.
It’s the law for California-based businesses to have workers compensation insurance—but remember that workers comp doesn’t only protect workers. It also protects employers from being sued due to on-the-job injury or illness contracted by their employees in the workplace.
Our workers comp program provides two separate coverages: California workers comp and California employer’s liability. The California contractors worker’s compensation coverage applies to injury or disease resulting to the employee as a result of employment; employer’s liability protects the employer for employees’ work-related bodily injury that’s not compensable under workers comp.
There are a lot of points to consider when purchasing California workers compensation insurance, including your total payroll, the number of employee injuries and workers compensation claims, and whether you will report monthly or annually. But don’t worry about figuring it all out: that’s what we’re here for. You can rely on us, the California workers compensation insurance experts, to get you the best coverage for the lowest rates available, protecting your company and helping your employees feel safe.
In California, employers can be fined up to $100,000 for not having the proper insurance. That’s a risk most contractors can’t afford to take! Make sure you’re compliant with state regulations, your employees are protected, and your business is shielded from the high cost of workplace injuries—and legal fees and damages if an employee sues.
Our workers’ compensation insurance is provided by Liberty Mutual, a leader in workers’ compensation-and an A rated carrier. This is a company that has the knowledge and resources necessary to assist injured workers in obtaining necessary medications for work-related injuries, without out-of-pocket expenses; that delivers top claims services with consistently superior outcomes; and that provides quality, affordable treatment for injured workers from its network of local medical providers.