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Calif Workers Comp

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Calif Workers Comp

Calif Workers Comp is a confusing and often frustrating topic for employers and employees alike.  In an overregulated industry, employers pay exorbitant premiums for Calif Workers Comp and employees with honest workplace injuries are held in litigation for years or settle for less than they deserve.  Calif Workers Comp fraud also accounts for a portion of high taxes and premiums due to a lack of regulation and medical mills.  Originally Calif Workers Comp was designed to give employees prompt attention regardless of fault, and employers protection for being sued for those injuries. 

Calif Workers Comp is designed to indemnify employees for injuries that they incur while on the job.  The top injury in Calif Workers Comp is back injuries.  Often these can be avoided with proper workplace training and safety evaluations.  Many Calif Workers Comp claims are resolved without problem.  The Calif Workers Comp claims that normally go to litigation are usually when there’s a disagreement if the injury happened on the job or off.

In a study done of small businesses on their Calif Workers Comp policies, many were underinsured in the areas required for medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits or vocational rehabilitation and death benefits. The second majority of small businesses were over insured on their Calif Workers Comp due to incorrect class risk codes.  If you are a small business, make sure your that insurance company knows exactly what business you are in and do an annual audit on your payroll.  Due to employer layoffs, Calif Workers Comp premiums are also declining.  If you’re unsure if this applies to you, or would like a free policy audit, contact us at 1-888-627-3847.

When purchasing a Calif Workers Comp policy, insurers will look at your business experience in the industry and history of making Calif Workers Comp payments.  Often times this is referred to as an “e-mod” or an “x-mod” also known as an experience modifier.  Employers with little to no experience start out with a slightly higher e-mod than others, until the following year and their experience is recorded into the Calif Workers Comp database.  Those employers with claims against their policies also have higher Calif Workers Comp e-mods and should take care to reduce claims.

It is very important to make sure that you carry a Calif Workers Comp policy, even if you only have one employee.  If that employee is hurt while doing a job for you, you are responsible.  Calif Workers Comp was originally designed to protect the employer from frivolous lawsuits and employees from neglect of care.  If you are unable to find an insurance company who is willing to provide you Calif Workers Comp, the State Compensation Insurance Fund, also known as State Fund, is required to provide you with coverage.  Not carrying Calif Workers Comp is a crime, and the cost can be much higher than having a policy.  Know your options on Calif Workers Comp. 

To find out if you are required to carry a Calif Workers Comp policy, call us, toll-free at 1-888-627-3847 or order your free Calif Workers Comp report in the box above.

Calif Workers Comp

For more information please contact us at: 1-888-627-3847.

 

Calif Workers Comp Top 3

  1. All California businesses that have employees have to purchase a Workers Comp policy.
  2. A California business can legally self-insure themselves.
  3. The place to get Calif Workers Comp is here.

 

Calif Workers Comp

"I wasn’t happy when I found out that I had to buy workers comp insurance.  When I did my research, and found Calif Workers Comp.org, I was very pleased to do business with them.  They understand exactly what a new business has to do to get off the ground, and then helps them to do it."

- G Van Heusen (New Business Owner), Santa Barbara, CA

"You need to get your workers comp insurance through Calif Workers Comp.org! I’ve been a business owner for over 30 years, and I’ve never had a better experience when shopping for workers comp.  Calif Workers Comp .Org has a great staff and an answer for everything.  Not your traditional insurance company for sure!"

- H Anderson (Small Business Owner) Torrance, CA

"In my manufacturing business, we have a few claims every year.  So every year I would search for cheaper rates.  It’s a pain and time consuming.  The best thing I could have ever done was visit CalifWorkers Comp.Org .  Now I never have to shop for new insurance because they do it for me….Every year! Thank you CalifWorkersComp.org."

- Sl Harmon (Senior Office/Facilities Manager) San Jose, CA

"Save time! Save Money! One stop shop! No more headaches!  That’s what I have to say about Calif Workers Comp.org ."

- R Pratt (Contractor) San Francisco, CA

"I receive regular updates and tips on how I can make my business better.  Not to mention I can call directly to speak with someone. I really feel like I have someone on my side."

- R Bollinger (Cosmetic Dentist D.D.S.) San Diego, CA