Accidents happen, no matter how much you prioritize safety in your construction business. And in the high-risk construction industry, an accident could easily lead to an employee injury. Workers' compensation insurance ensures you can take care of your most important business asset, the men and women who help you get the job done.
Workers’ Compensation Insurance covers medical expenses and lost income of your employees if they are hurt in the course of performing work-related activities. Workers’ Compensation is a no-fault system of compensation in which employees who are injured at work may obtain payment for lost wages, medical costs, and occupational rehabilitation expenses without regard to their personal negligence or fault. In exchange for this no-fault system, employees give up their right to sue their employers directly for negligence or other damages. Minimum Limits of Liability in California is $1 Million.
California law requires that employers provide “workers’ compensation” to employees who are injured on the job, or who become ill directly because of their occupation. Workers’ Compensation Insurance helps employers pay for these benefits, including the cost of medical care, lost wages, and rehabilitation services. Workers’ Compensation is not a substitute for health or medical insurance, since employees are only covered for on-the-job injuries or illnesses.
Workers’ Comp Insurance
In the event of an accident, you can be prepared to protect your employees as much as possible, while shielding your construction business from the possibility of liability for employee injuries.
What Does Workers’ Comp Cover?
In the construction industry, it happens every day. A worker could slip off a ladder, fall from a roof, be struck by a falling object, or be injured by heavy machinery. If one of your employees is injured or becomes ill as a result of their job, workers’ comp benefits cover the costs of getting them well and back to work, including:
- Medical expenses
- Lost wages
- Legal fees, in the event of a lawsuit
- Disability benefits
As an employer, it’s important to provide workers’ comp for your employees. And in many states, employers are required to provide workers’ comp by law.
Program Highlights
- Classes Available with Minimum Premiums at $500
- Experience Mods up to 1.79%!!!
- New Ventures and Lapses in Insurance Acceptable!
- Hundreds of Classes Available
- Payment Plans Available.
- Loss Control Services
- A+ XV Rated Carrier
Workers’ comp doesn’t just benefit your employee, it also protects you from financial losses in the event an employee injury becomes a lawsuit. You can get your employees the care they need and deserve to get back to work, while protecting your business from hassles, headaches, and costly lawsuits.
In the construction industry, your employees risk their safety simply by showing up for work. Prevent accidents from happening by emphasizing a culture of safety, and be prepared for accidents with workers’ comp insurance so you can take care of the people who work hard for you.