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Workers Compensation

What Is Workers' Compensation?

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment. It's designed to cover expenses and loss of wages while safeguarding businesses from direct lawsuits by employees. By offering this insurance, employers ensure their team members are protected in case of workplace injuries or illnesses.

Your Partner in Workers' Compensation

Navigating You Through Workers' Comp Carefully

At Cali Agency, we assist businesses in developing robust workers' compensation programs that support both employees and employers. Our services include policy selection, risk assessment, claims management, and education on safety practices. We collaborate with you to foster safer work spaces and streamline the claims process, minimizing disruption and financial impact to your business in the event of employee injuries.

Common Questions About Workers Compensation

  • Who needs workers' compensation insurance?

    Most businesses with employees are required to carry workers' compensation insurance by law, but requirements can vary significantly from one state to another. It's compulsory for covering employees' injuries or illnesses related to their job. If you're unsure about your specific obligations, it's vital to check your state's regulations or consult with an expert.

  • What does workers' compensation cover?

    Workers' compensation covers medical expenses, rehabilitation costs, and lost wages for employees who get injured or become ill due to their job. It can also provide disability benefits, whether temporary or permanent, and death benefits for the dependents of workers who die as a result of work-related incidents.

  • How does workers' compensation benefit employers?

    For employers, workers' compensation offers a layer of financial protection by covering the cost of claims made by employees for workplace injuries or illnesses. It also helps in preventing lawsuits filed by employees against their employer, assuming the employer complies with the workers' compensation policy provisions. This fosters a safer workplace and can aid in maintaining productivity.

  • Can employees sue for injuries if they accept workers' compensation?

    Typically, accepting workers' compensation benefits means an employee waives the right to sue their employer for the injury. However, there are exceptions, such as in cases of intentional acts by the employer that led to the injury. It's a system designed to benefit both parties, but employees may still seek legal advice to explore their options.

Contact Us Today!

We would love to connect and see how we can help with your worker compensations needs!

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