Workers Compensation in Livermore, CA and Surrounding Areas
No job is without its occupational liabilities, and at times any employee could get hurt just when they’re trying to do their job. As a result, they might face significant personal losses that might threaten them with financial insecurity. It’s at this point that their employer should be able to step in to provide workers’ compensation benefits.
Workers’ compensation insurance is not something that any business should be without if they want a strong risk management strategy. Let Benko Insurance Agency help you find the policy that will be customized for your company’s unique needs.
Call us today at 925-447-7416 or request your free policy quote online to learn more!
Common Workers Compensation Insurance Questions
What is Workers Compensation Insurance Coverage?
When someone sustains an occupational injury, they could face significant personal challenges, such as:
All these challenges could create a lot of financial insecurity for the victim. Because the injury occurred on the employer’s time, then it is the employer’s workers compensation insurance that can provide the necessary financial assistance.
Who Does Workers Compensation Insurance Cover?
Workers compensation insurance has two primary objectives:
Having a policy frees the employer from liability for employee accidents in most cases. By agreeing to take workers compensation benefits, the employee waives the right to sue the employer over their injury, except in certain circumstances.
When Is Workers Compensation Insurance Required?
All employers in California must carry workers compensation insurance, with limited exceptions. Both full- and part-time employees qualify for coverage.
How Does Workers Compensation Insurance Work?
There are numerous injuries that might qualify an employee for workers compensation, including:
Depending on the employee’s qualifications for coverage, workers compensation might provide:
The employee must receive verification of their injury from a physician (of their choice) and file the appropriate documentation with their workers’ compensation claim. At this time, the insurer will follow California’s workers’ compensation guidelines to determine both the value of benefits and the length of time for which the recipient will qualify for assistance.