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.
If you have employees in California, you are required to get Workers' Compensation Insurance. Workers' Compensation Insurance is designed to help employees who are injured on the job. The benefits can include medical payments, disability income, rehabilitation, and vocational expenses. There is also a death benefit payable to a spouse, children, or other dependents if an employee dies from a work-related injury.
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.
A minimum of $1 Million limits of Employer’s Liability Insurance is also required along with every Workers' Compensation policy in California. This coverage is usually automatically included and unknown to many insureds. Employer’s Liability is designed to help third-parties that are injured as a result of an employee’s injury. For example, if an employee is injured and no longer able to help around the house or help take children to school or soccer practice, the spouse of the injured employee may file a claim against the Employer’s Liability policy because the spouse is suffering as a result of the injured employee’s injury. Please note that in order to trigger coverage, Employer’s Liability still requires an injured employee. Some people confuse Employer’s Liability with Employment Practices Liability Insurance (EPLI). EPLI is a separate policy that is helpful with claims from disgruntled employees regarding discrimination, wrongful hiring, wrongful firing, etc. The standard Employer’s Liability policy that accompanies Workers' Compensation Insurance does not provide coverage for these exposures. The Employer’s Liability policy that accompanies the Workers' Compensation policy provides coverage for third-parties (like spouses) who suffer an injury as a result of an employee’s work-related disease or injury. Please let me know if you want me to explore an EPLI policy for your business.
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