Workers’ Compensation in Roseville, CA
No matter how focused you are on safety, accidents can and do happen in the workplace. When injuries or illnesses happen on the job, workers’ compensation can be crucial in offering medical and financial support to employees and protecting businesses from significant legal costs.
What Is Workers’ Compensation?
Workers’ compensation is a state-mandated program that provides medical and financial benefits to employees who are injured on the job. It can help protect both workers and employees as it is a no-fault system. This means that employees can receive benefits regardless of who caused the injury in the workplace, and employers may be shielded from most lawsuits.
What Does Workers’ Compensation Cover?
The following are typically included in a workers’ compensation policy:
- Lost wages—This includes partial income replacement as the employee recovers from a workplace injury or illness.
- Medical expenses—This includes doctor or hospital visits, surgeries, medication and rehabilitation.
- Disability benefits—This includes payments for temporary or permanent disabilities due to a workplace accident.
- Death benefits—This can include funeral costs or financial payments to the dependents of an employee who passes away from a workplace injury or illness.
Who Pays for Workers’ Compensation Insurance?
Employers pay for workers’ compensation insurance. Premiums are calculated by considering the number of employees, the type of work performed, and the business’s claims history.
It’s important to note that each state varies in how workers’ compensation is mandated. Most states require private employers to carry it. Check with your local insurer for your state’s legal requirements.
Contact Us
Contact S & G Mitchell Insurance Agency in Roseville, CA for more information on workers’ compensation and how it can benefit your business.