Workers Compensation

Workers’ compensation insurance, also called workers’ comp, covers the cost of medical care and rehabilitation for workers injured on the job.
This type of insurance also compensates workers for lost wages and offers death benefits for their dependents in the event of a fatal job injury.

How Does Workers’ Compensation Work?

The laws regulating workers compensation vary from state to state and dictate the coverage that employers should provide to their workforce.

However, a basic principle applies in all cases: workers can only file a claim if they are injured on the job or while doing any job-related tasks.

So, for example, employees cannot make a workers’ compensation claim if they are injured while practicing a sport for leisure or in the course of any other activity unrelated to the scope of their employment.

Finally, workers’ compensation also protects employers by limiting their legal exposure if their workers become injured on the job.

Who Needs Workers’ Compensation?

As we mentioned earlier, every state has different requirements when it comes to workers’ compensation Insurance.

In the case of California, businesses are required to carry workers’ compensation Insurance for employees who work regularly in the state. This applies even if the company has only one employee or if the headquarters of the organization are located in a different state.

If you are looking for workers’ compensation Insurance in California, contact our experts at GWilson Insurance for a free quote and to learn more about our full range of insurance services.