Workers Compensation Insurance protects your business and your employees
Workers Compensation Protects Your Business and Employees
You work hard to provide a safe and effective working environment for you and your employees. Even when you have met with safety consultants and your business is running at peak performance, accidents will happen. A slip and fall in a restaurant kitchen resulting in a broken arm, an equipment malfunction at a manufacturing site causing eye injury—it could happen at any time for so many different reasons. With that being said, you want to make sure your employees always have the protection they need, before and after an accident. And that’s exactly what Schneiderman Insurance Agency can help you do. Let us create a custom, multi-covered solution, including Workers’ Compensation Insurance that meets the specific needs of your business.
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.
We Can Help You Understand The Risk
We believe that insuring people and businesses is about more than just exchanging paper and money. It’s about education, and we will work hard to help you understand both the risks you face, and the coverages you need to mitigate those risks.
When one of our clients files a Workers’ Compensation claim, we will work diligently with everyone involved, from the injured employee, employers, and those responsible for providing care after an injury. Of course we will constantly be in touch with your insurance carrier to make sure your claim is handled rapidly and responsibly. This ensures that your business will suffer minimal down-time and loss of income as a result of a workers compensation insurance claim.
In California, all employers are required to have workers’ compensation insurance or receive state approval to self-insure for the required benefits that would be afforded by a workers comp policy, even if they have only one employee. There are strict criminal and civil penalties for employers that do not have workers’ compensation insurance or that are not authorized to be self-insured. (Labor Code § 3700, et seq.)
To learn more about how workers’ compensation insurance can benefit your unique business, contact Schneiderman Insurance Agency.