California Workers' Compensation
Most everyone know that this type of insurance is mandated by law. It provides payment of medical care and compensation for lost wages for an employee who's injured in the course of their employment.
Employers are required to provide Workers' Compensation in California
California employers are required under Labor Code Section 3700 to provide to their employees Workers' Compensation benefits. Failure to provide such benefits is a violation of the Labor Code punishable by imprisonment and/or by fine.
There are exceptions to Workers' Compensation coverage which should be reviewed on a case by case basis. Sole business owners, business partners and corporate officers may be excluded from policy coverage.
California Workers' Compensation Benefits Include:
- Medical Care
- Temporary Disability Benefits
- Permanent Disability Benefits
- Supplemental Job Displacement Benefits (Return to Work)
- Death Benefits
How Workers' Compensation Premiums Are Calculated
Workers' Compensation rating factors are normally based upon an employee's job classification and payroll amount. Job classifications are determined by the Workers' Compensation Insurance Rating Bureau. Standard job classifications are listed in the California Workers' Compensation Uniform Satistical Reporting Plan. View here...
Established rates are multiplied by each paid $100 of an employee's payroll. Based upon the employer's prior loss experience the final premium is subject to adjustment by: Experience Modification, Credit/Debit and Premium Discount Factors.
Call us at (818) 344-2944 to discuss your Workers' Compensation insurance needs.
Need a quote? Complete a Workers' Compensation Price Request and Payroll Information Form here.
Have more questions regarding California Workers' Compensation coverage, how it works and a Employer's legal requirements?
Live link to California Department of Insurance - Workers' Compensation Guide.
PDF version California Department of Insurance - Worker' Compensation Brochure.
Arizona Workers' Compensation
Who We Work With in California and Arizona
Greg Brooks Agency Insurance Services (GBAIS) provides programs for the construction trades, distribution and most sevice based businesses. Our expertise is for superior service in the construction and distribution industries. We have learned valuable and costl saving lessons which we can pass onto you. GBAIS offers extremely competitive pricing but one invaluable lesson we have learned is price isn’t everything when it comes to a Workers' Compensation.
Although our specialty is in the construction trades we also help companies in all industries reap the benefits of a GBAIS. We alson can help you save money on 24 hour Group Health / Work Comp programs helping with the burden your health insurance and relieve the administrative burden of human resource functions.
GBAIS specialize in working with:
Glass (Glazier) Contractors
Distributors / Manufacturers
Building Material Suppliers
Auto Parts Distributors
Third Party Logistics Companies
Warehouses (all kinds)
Manufacturers (all kinds)