Workers Compensation

Whether you’re running a small cafe in Santa Cruz or heading a large manufacturing unit in California, ensuring the well-being of your employees is a legal responsibility. At Clarion Pacific Insurance Services, we are here to help you understand California’s workers’ compensation laws and get the coverage your company needs at a favorable rate. 

What Is Workers’ Compensation Insurance? 

 

Workers’ compensation insurance is business insurance offering wage replacement and medical benefits to employees injured during employment. This policy may help cover medical costs, lost wages due to time off work and rehabilitation services for employees who suffer job-related injuries or illnesses. 

How Does Workers’ Compensation Insurance Work? 

 

There are several aspects that employers need to consider, including the following: 

• State regulations—Each state has laws and requirements. In California, businesses with one or more employees must have a workers’ compensation insurance policy.
• Premium calculations—Premiums are generally calculated based on the type of work, the number of employees and the company’s history of accidents and illnesses.
• Coverage types—Basic coverage typically includes medical expenses and a percentage of lost wages. However, policies can also cover vocational rehabilitation or provide death benefits to families.
• Claims process—In the event of a workplace injury, claims must be filed within specified timelines, and proper procedures must be followed to ensure coverage. 

Contact Us 

 

Contact the team at Clarion Pacific Insurance Services to start building your company’s workers’ compensation insurance plan.