Workers Compensation

Workers’ compensation insurance can help protect both employees and employers when an employee suffers a work-related illness or injury. If you’re in need of workers’ compensation insurance, call the team at Clarion Pacific Insurance Services—Santa Cruz’s trusted insurance advisor.  

What Is Workers’ Compensation? 

Workers’ compensation insurance benefits are available to employees who are injured or become ill due to a work-related incident. If one of your employees is injured on the job and medically authorized to take time off from work, they will be reimbursed for lost wages and the medical expenses related to treatment and rehabilitation. 

What Does Workers’ Compensation Insurance Cover?  

Workers’ compensation has four main benefits that are typically provided, including:  

• Wage loss benefits
• Medical benefits
• Death/dependent benefits
• Vocational rehab benefits 

Without proper coverage, you could find yourself with some extensive costs you’ll have to pay out-of-pocket.  

Why is Workers’ Compensation Important? 

Workers’ compensation serves two primary purposes: to help injured or ill workers receive medical care and income compensation and to help protect employers against lawsuits by workers. Regardless of who’s at fault in a work incident, workers’ compensation typically helps benefit at least one party. To prevent significant financial loss, your business must have workers’ compensation insurance. What’s more, California requires most employers to carry workers’ compensation.  

Get Started Today 

At Clarion Pacific Insurance Services, we’re here to help you with your California business’s commercial insurance needs, including workers’ compensation. Contact an agent for more information or to get started.