BUSINESS INSURANCE
Workers’ Compensation
Insurance
Protection for employees and the businesses that depend on them.
Workers’ compensation insurance helps provide statutory benefits for employees with compensable work-related injuries or illnesses. California employers generally must carry coverage when they have one or more employees.
CORE BENEFITS
Protection for Work-Related Injuries
Workers’ compensation benefits are governed by California law and the policy. Covered benefits can include medical care, disability payments, return-to-work support and death benefits for eligible work-related injuries or illnesses.
Medical Care
Helps pay reasonable medical treatment related to a compensable work injury or occupational illness.
Temporary Disability
Provides partial wage replacement when an employee cannot work during recovery from a covered injury.
Permanent Disability
May provide benefits when a covered work injury results in lasting impairment, subject to California law.
Death Benefits
May provide benefits to eligible dependents when a covered work-related injury or illness results in death.
HOW THE POLICY WORKS
More Than Medical Bills
A standard workers’ compensation policy generally includes statutory workers’ compensation benefits and employers’ liability coverage, with additional California benefits available when eligibility requirements are met.
Employers’ Liability
Helps protect the employer against certain employee injury lawsuits that fall outside the exclusive workers’ compensation remedy.
Job Displacement Benefits
California may provide supplemental job displacement benefits for eligible employees who do not return to their usual work.
Return-to-Work Support
Claims and return-to-work resources can help injured employees recover and resume appropriate work when medically able.
REAL-WORLD EXAMPLES
Everyday Situations
We Help Protect Against
Workplace injuries can happen in many ways. These examples illustrate situations where workers’ compensation benefits may apply, subject to California law and policy terms.
Ladder or Fall Injury
An employee falls from a ladder while working and requires treatment and time away from work.
Repetitive Motion Injury
An employee develops a work-related repetitive strain condition over time.
Lifting Injury
An employee strains their back while lifting materials on the job.
Permanent Disability
An employee is injured in a vehicle accident while performing job duties.
WHO NEEDS WORKERS’ COMP
Required Protection for California Employers
California employers generally must carry workers’ compensation when they have one or more employees. Classification, payroll, ownership and work performed all affect underwriting and premium.
Retail & Wholesale
Restaurants & Food Service
Contractors & Trades
Professional Services
Office & Technology
Health & Wellness
Real Estate & Property Mgmt
Many Other Employers
WORKERS’ COMP POLICY STRUCTURE
A More Complete and Job Displacement Benefits Option
These protections typically work together within the workers’ compensation policy, but they address different types of obligations and claims.
WORKS TOGETHER
Workers’ Compensation Benefits
✓ Includes General Liability coverage
✓ Adds eligible commercial property coverage
✓ Commonly includes business-income protection
✓ Optional endorsements may be available
✓ Convenient package for many eligible businesses
VS
Employers’ Liability
✓ Covers covered third-party liability claims
✓ Bodily injury and property damage
✓ Products/completed operations
✓ Personal and advertising injury
✓ Useful when business property coverage is not needed
RELATED BUSINESS COVERAGES
Additional Coverages to Consider
Depending on your industry and operations, you may also want to consider:
Commercial Auto
Workers’ Compensation
Cyber Liability
Professional Liability (E&O)
Commercial Umbrella
Employment Practices Liability (EPLI)
Protect Your Team and Your Business
Let us review employee classifications, payroll and operations to help structure appropriate workers’ compensation coverage.