Workers’ Compensation Insurance is mandatory for all business operating in the State of California and provides benefits to employees/workers who have sustained an injury or disease while in the course of employment. The coverage may be limited in event of an occurrence which is self-inflicted, the result of intoxication or under the influence of a controlled substance, or caused by failing to use specific safety equipment. The Workers’ Compensation policy also includes employers liability insurance which covers an employer in the event of a claim filed by an employee that is outside the general provisions of the current workers compensation law.
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’ 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.
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.