Businesses are made up of employees who work hard every day to bring in the profits. In return their employers are expected to provide ample compensation and to take care of them when they fall ill or get injured especially if the injury was sustained while working. This expectation has been institutionalized through the Labor Code which mandates employers to get worker’s compensation insurance for everyone in their staff. These include:
1. Medical care — financial assistance so they can get good medical treatment quickly
2. Temporary disability benefits — funds for the worker to use while unable to work
3. Permanent disability benefits — compensation for workers who sustain lasting bodily injuries
4. Supplemental job displacement benefits — activated when the worker’s injuries prevent a return to work due to incapacity hence requiring either skills restraining or enhancement
5. Death benefits — if the employee dies while on duty his dependents are entitled to compensation
Employers who refuse to honor the law may be deemed criminally negligent. They could face thousands of dollars in fines per employee suffer up to one year imprisonment or both. If an uninsured employee gets sick then all the medical bills must be shouldered by the company. Failure to do so provides the basis for a potentially draining lawsuit.
The best way to operate a business is to comply with all the legal requirements including this one. If an owner does not know how to get California workers compensation insurance then call the state’s concerned agencies for assistance. The office of the California Department of Insurance is the most competent source of information on this matter and their website contains much of what employers need to know. Use the fact sheets guides and frequently asked questions to gain deeper insight.
Having a corporate lawyer on hand will also be very helpful given the myriad options on the market. Start by checking which providers are used by those in the same industry. This ensures that the insurance company knows how to handle the specific needs of the business. Note the extent of the coverage offered by each their track record in claims processing and the competence of their medical network.