Did you know that you are entitled to workers’ compensation as an employee in case you are injured at your workplace in Cathedral City, CA? Well, workers’ compensation is a mandatory policy for all businesses across California who have employees–even if it is one employee. At Dynamic General Insurance Services, we help business owners get the best out of their policies by taking them through a well-guided purchase.
What is a workers’ compensation policy?
Workers’ compensation is a type of commercial insurance policy that compensates workers who may become disabled or injured due to their job. Injured or sick employees can receive medical treatment and have partial income when admitted due to illnesses related to their jobs. As an employee, you also have a right to sue your employer if they fail to meet these terms.
Is it all employees?
Every state has its own regulations on who can be covered and who may not. Some have limits to the number of employees an employer must have to be required by the law to buy this policy. In California, even if you have one employee, you need workers’ compensation. Some states also exclude specific industries that are considered–generally safe for its employees or not applicable due to the job nature. For instance, seasonal workers, domestic workers, and agricultural workers may not be covered in some states.
The benefits you receive heavily depend on the state requirements, nature of the injury, and the benefits listed as part of the policy. In addition to wage replacement and medical expenses, workers’ compensation may also include permanent injury compensation, vocational rehabilitation, and survivors’ benefits. Many insurance policies in Cathedral City, CA, require the employer to take the injured employee to a medical facility of their choice.
If you still have more questions on Workers’ compensation, please feel free to speak to us at Dynamic General Insurance Services today!