Meyer & Cook Insurance Agency: Valuing Your Employees With Comprehensive Workers Comp

worker compesationWorkers Compensation is Assurance for Employer & Employee Alike

If you’re a California business owner, it’s important to have the appropriate insurance protections in place if an employee is injured on the job. Trying to obtain workers compensation coverage after the fact is doing a disservice to both your employees and your business. That’s why workers compensation ensures that an injured worker's medical and financial needs are taken care of when accidents happen.

What is Workers Comp? Who Needs It?

As a California employer, you have an obligation to ensure a safe work place and the law requires a business to have Workers Compensation Insurance. Workers Comp insurance can provide the coverage to protect you from unpredictable occurrences.

Workers compensation insurance spreads and shifts the risk for on-the-job employee injuries from employers to insurance providers. Doing so protects the business from work-related claims and legal exposure. Business owners can breathe easier knowing employees will be properly cared for if an accident happens without posing a threat to the company’s profitability or to its solvency.

What Does Workers Compensation Cover?

Workers Compensation covers several expenses related to a worker's recovery from an on-the-job incident:

  • Lost-time payments
  • Medical care reimbursement
  • Rehabilitative services payments

When Should I carry Workers Compensation Insurance?

In terms of required coverage, California workers compensation law provides business owners with greater flexibility compared to other states. However, even if you're not legally required to carry workers compensation, Meyer & Cook Insurance Agency recommends it. If an employee sustains an on-the-job injury, responsibility for related medical payments and lost wages will ultimately fall on you, the business owner. How would you be able to pay for this without the proper workers compensation policy.

For more information regarding California Workers Compensation, you can visit here.

Contact Meyer & Cook Insurance Agency For a Free Workers Compensation Insurance Quote

At Meyer & Cook Insurance, we’re dedicated to helping all our clients make informed coverage decisions. That’s why we’re here to answer your every question regarding workers compensation or about any of our other numerous commercial insurance products.

If you’re ready to see how much you could save on workers compensation insurance with Meyer & Cook Insurance Agency, call us today at 916-776-1751 or fill out the quote form on this page, we look forward to providing peace-of-mind to your business.