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Worker’s Compensation insurance is an insurance policy which reimburses employees if they were injured while at work or while doing work. In California, Worker’s compensation is available to anyone who is legally working as an employee. Independent contractors do not get workers comp because technically, they are not “employees”. Sole proprietors who have no employees, and certain Executive Officers and Directors may choose to exempt themselves from worker’s comp. Contact us for a San Diego Workers Compensation Insurance Quote.
What Does Worker’s Compensation Cover?
Workers compensation benefits are granted if you can show that you were injured or made sick because of your work. It does not matter if someone was at fault or if no one was at fault. In general, worker’s compensation covers these costs:
- medical bills for your work-related injuries,
- lost wages because injuries prevented you from going to work,
- cost of retraining or vocational rehabilitation,
- compensation for long-term or permanent injuries,
- and other benefits depending on your specific case.
However, worker’s comp does not reimburse for claims of “general damages” or “pain and suffering”.
Getting a San Diego Workers Compensation Insurance Quote
As an employer, you will need to shop around to find a worker’s comp policy that suits your particular situation. The three places where you can enroll in a worker’s comp policy are:
- Commercial providers,
- California state-run programs, or
- Self-insured by the company itself (for approved businesses only)
Worker’s Compensation Protects Employers Too
Worker’s Compensation Insurance protects employers because the policy regulates how much monies an injured employee can request. Because of this, employers have protection against unscrupulous employees who try to milk you for all you’ve got. If you are an employer, contact us for a San Diego Worker’s Compensation Insurance Quote. KM Insurance Services works with over 20 insurance providers so we can find a policy that is just right for your business. Contact us by Email or by telephone at: (619) 667-2880.