Saturday, 13 October 2012

Facts About California Workers Compensation Insurance

By Karina Heimann


To avoid a tussle with your employees in case of an accident in California workers compensation insurance must be acquired. The policy is concerned with the injuries that workers get while on their duties this and is meant to offer indemnity to the victims. Before involving yourself with any of these insurance policies, knowledge of what you are getting in to is very important.

This is a policy that covers employees on the accidents that happen when an employee is at work. The policy will pay for any medical costs incurred. You will also get benefits of this coverage if you get injured off the job site only if what you were duties were related to the business task. Workers comp is not only required to apply to high risk work place but all places including the ones that do not pose much danger since accidents are unpredictable. For employers in constructions business in Ca contractors license bond may be required.

Just like car covers and other types of policies, these insurance comes up with ratings that will help companies set a payment system for different businesses. This is because there are businesses that are more susceptible to employee accident risks than others. The higher the risk the higher the premium an employer is required to pay for his employees. Workers compensation insurance rating bureau is the institution that is concern with the rates that are required from each grouping of employers.

Lawyers can be engaged to defend you in these cases. This is because insurances companies are, in most cases, reluctant to pay colossal claims as they will cost them so much. The lawyers are well versed with the law on California contractors insurance and will help you get what is rightfully yours to cater for the damages you suffered. The law requires you to get compensation only if the accident was not intentional.

In case you suffer an injury and you are disabled as a result of an accident, the policy has a clause that will protect your job. Employers are required to provide you with another position in case it is no longer possible to continue with the one that you previously held before the accident. No company has the right to fire their employees because of disabilities caused when carrying out their responsibilities.

All claims documents need to be posted 7 days before dead line. Having knowledge of your rights as an employee is very important as it will help you know what to claim with respect to your policy. Ignorance of law will not be a valid defense before the jury.

This means that the terms and the conditions of the policy should be explained to the letter. In case you do not understand the content of these cover, ensure you inquire from the company issuing the policy. For more information about California workers compensation insurance, a person can visit a website in the department of industrial relations section.




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1 comment:

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