Protect your business, it is your livelihood. You have worked hard for it, and you don’t want anything to jeopardize what you’ve built, including an on-the-job accident. There are several safeguards to protect you and your business, but few are more important than workers compensation insurance. Workers comp can be the difference between thriving and struggling to survive.
Imagine your employee is on her way to work. She’s walking from the parking lot to the front entrance when suddenly, she steps in a hole and sprains her ankle. It’s nobody’s fault, but she feels you, the employer, are to blame because the lot is your property, and the hole should have been fixed long ago. So, she informs you of the injury, and you send her to a doctor for treatment. This is where your workers comp insurance comes in.
What is Workers Comp?
Workers compensation insurance entitles employees to immediate and comprehensive medical treatment for any illness or injury incurred on the job, regardless of who is at fault. In exchange, the employee is prevented from seeking legal recourse against the employer over the injury. On the same note, if an employee sustains an injury that the employer believes happened outside of work hours or is not a work injury/illness, the employer has the right deny a workers comp claim. This can reduce or eliminate abuse of employment provided medical care, i.e. worker’s comp.
Protect your business with Workers Comp
The state of California requires every employer to carry worker’s compensation insurance. This is intended to protect your business and your employees. Even if you only have one employee, the state mandates this insurance. It is your protection from legal action by any injured employee. It protects not only the employee but also the employer. It also covers employees in the event of temporary or permanent disability and even death.
Worker’s comp covers all doctor’s visits related to the injury, and work comp adjusters work with the treating physician to determine whether an injured employee is well enough to return to work with or without restrictions. This allows the employer to take the appropriate steps to accommodate an employee to prevent further injury that might result in the loss of an employee.
How to get it
Call or visit Brashears Insurance for all your business insurance needs or click here to get a workers compensation insurance quote. From general liability to worker’s comp, we’ve got your needs covered. Don’t leave your business unprotected.
Not only can we help you find the best coverage, but we tailor to your specific business needs.