If you own a business in San Diego, CA, and hire one or more full-time, part-time, or temporary workers, you’re required by law to carry worker’s compensation insurance. This form of coverage benefits your employees by providing compensation for on-the-job injuries. However, it also benefits you by protecting your company from lawsuits arising from unfortunate circumstances.

How Worker’s Compensation Insurance Works

Worker’s compensation insurance covers both minor and major injuries. To receive coverage, an injured employee will need to obtain a medical report from their doctor and then fill out the employee portion of a worker’s compensation claim form. You will then need to fill out your portion and send the form to your claims administrator. The claims administrator will then determine if the claim is approved or denied.

Worker’s compensation insurance in San Diego, CA, offers no-fault coverage. This means your employee should receive compensation even if they were partially to blame for the accident. However, you’ll likely want to evaluate your workplace after a serious accident to prevent future mishaps. Protective equipment, employee training, proper storage of hazardous equipment, and other measures protect the people who work for you from injury and prevent business disruption caused by the loss of a valuable staff member.

Contact Let’s Insure for More Information about Worker’s Compensation Insurance

If you’re looking for a worker’s compensation insurance policy or want to learn more about this type of insurance coverage, contact us at your convenience. A Let’s Insure staff member would be happy to answer your questions, address any concerns you may have, and help you find commercial insurance policies that meet your needs and budget.