When an employee suffers a work related injury or illness, workers compensation insurance steps in to provide benefits based on the type of illness or injury sustained. Workers compensation is based on a no-fault system, which means that an injured employee does not need to prove that the injury or illness was someone else’s fault in order to receive workers compensation benefits for an on-the-job injury or illness. As a California employer you are required under California Labor Code Section 3700 to provide workers compensation benefits for your employees.
Employers assume the cost of occupational and/or work related accidents and diseases incurred in the course of or arising out of the execution of normal employment functions without regard to negligence. This important coverage provides five basic types of benefits: A. medical care; B. temporary disability benefits; C. permanent disability benefits; D. vocational rehabilitation services; E. death benefits.
Our admitted carriers specialization and understanding of various types of operations as well as an understanding of the industry needs is vital to achieving competitive pricing, claims processing and payroll reporting at time of audit. Resulting in the working understanding of the type of class and the financial stability needed to protect organizations from work related liabilities.