Workers Comp Insurance

When an employee is injured on the job and has to visit the hospital or take time off work, workers compensation covers the medical bills and missed wages. Workers compensation protects the business because the employee surrenders the right to sue their employer if they are enrolled in workers comp. Workers compensation varies from state to state, with all states adopting a workers compensation program by 1946.

On January 1, 2013, Senate Bill 863 took effect in California. The bill dramatically altered the previous California workers compensation system by adding increased benefits and cost-saving efficiencies. Both labor unions and employers came together in a historic moment to negotiate the terms of the new workers compensation package.

Even if you only have one employee, it is required by California law to have workers compensation insurance. There are six basic benefits workers comp provides:

• Medical Care
• Temporary Disability
• Permanent Disability
• Supplemental Job Displacement
• Vocational Rehabilitation
• Death Benefits

Usually, workers compensation claims are settled without any issues. However, workers compensation fraud has been known to happen, especially if there is a discrepancy between the employer and the employee about how the injury was sustained or how much benefits the injured should receive. The California Division of Workers Compensation can assist in resolving those disputes.

For many years, Lina Insurance Services has protected our client’s businesses by providing complete and comprehensive workers compensation packages. When you speak with one of our professional agents, we will conduct an in-depth review so that we can better tailor a personal insurance policy that is perfect for you and your company. Make sure your business and employees are covered in their time of need when you choose Lina Insurance Services.