Workers Comp Insurance

Workers’ compensation also known as work comp or workers comp, is the nation’s oldest social insurance program: It was adopted in most states, including California, during the second decade of the 20th century. The workers comp or workers’ compensation system is based on a trade-off between employers and employees. Employees are entitled to receive prompt, effective medical treatment for on-the-job injuries or illnesses no matter who is at fault and, in return, are prevented from suing employers over those injuries.

As a result, California employers are required by law to have workers comp or workers’ compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers’ compensation benefits. Workers’ comp insurance provides six basic benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits or vocational rehabilitation and death benefits.

The vast majority of workers’ compensation claims are resolved without any problems. However, sometimes a disagreement can arise between you and your employee over issues such as whether the injury was sustained on-the-job or how much in benefits they are entitled to receive.

Please be advised that if you are a roofer and don’t have any employees, you are still required to carry workers compensation insurance. If you are a real estate broker you are still required to carry workers comp or workers compensation insurance for your agents, even if they are independent contractors.

If you are an out-of-state employer you may need workers’ compensation coverage if you have any employees regularly working in California, or if you enter into a contract of employment here.

Here at Atchley Insurance Services we offer several different Workers compensation insurance carriers to fit you and your type of business or industry. Whether your in construction, manufacturing, sales or any other business type we have a workers compensation insurance program for you.