If you are a business owner, then you know that you need to have different kinds of business insurance coverage. This includes insurance policies for your facilities, equipment, and commercial vehicles. Another kind of insurance policy your business is required to have is workers compensation insurance.

Workers compensation insurance is a type of liability insurance mandated by law. Workers comp insurance ensures that employers pay the medical costs of an employee who is injured or made ill on the job. Workers comp can also cover a part of lost wages due to the work-related injury or illness.

According to California law, businesses with one or more employees must carry workers comp insurance. Workers compensation insurance coverage must also include corporation directors and executive officers. The only exception is if they are owners of the company. If the directors and executives are business owners, then they can opt-out of workers compensation insurance coverage. If you are the sole proprietor of your business, contact Brashears to learn whether workers compensation insurance is right for you.

Workers compensation covers more than medical bills and lost wages. It can also cover the retraining costs for when a worker returns to work. Workers compensation also protects your business from future litigation. If an injured or ill worker receives workers comp, he or she cannot sue your company for the workplace conditions, which lead to the injury or illness.

Purchasing insurance for your company can be an overwhelming experience. With Brashears, we pride ourselves in providing a synchronized approach to insurance. We first take our time to get to know you and your business needs. Then, we provide customized policies and coverage options that best fit your needs. As your business grows and evolves, Brashears Insurance can tailor your insurance policies.

As a business owner, you know that running a company comes with many responsibilities, including getting the right insurance policies. If you are looking to buy workers comp coverage for your company, then look to Brashears Insurance Company. Contact us today to learn more about how we can help you protect your company and its future.