Workers Compensation Insurance in Los Angeles, CA
Protect Your Employees
Securing the right workers compensation insurance in Los Angeles, CA is a must.
As a business owner, you carry a lot of responsibility on your shoulders. For instance, if your company has employees, then you are responsible for ensuring their safety. Unfortunately, employee injuries and illness are simply inevitable. Even if you offer the best health and safety training and uphold the strictest safety protocols, this isn’t enough to completely eliminate every risk that you face. This is why it’s so vital for business owners to have the right workers compensation insurance in Los Angeles, California to fall back on. Read on to learn what workers comp coverage from Artisan Insurance Solutions can do for your company.
What is Workers Compensation Insurance?
Workers comp insurance offers coverage in the event that an employee is injured, becomes ill, or dies while carrying out business operations. Workers compensation insurance will offer coverage for the following:
- Medical expenses
- Missed wages
- Ongoing care/rehabilitation costs
- Funeral costs
While workers comp certainly offers benefits to employees, it also offers protection to the business owner as well. For instance, your workers compensation coverage can be used to address your legal defense and settlement costs should an injured employee decide to sue. After an employee is injured on the job, they must waive their workers compensation benefits if they wish to pursue litigation. At this point, your workers compensation can then be used to protect your company.
Why Do I Need Workers Compensation Insurance?
Workers compensation is the only commercial coverage that businesses are legally obligated to carry. While every state has their own laws governing workers compensation coverages, almost every company that employs workers is required to carry some minimum amount of coverage.
Even if you are not legally required to carry workers compensation insurance, you should still secure this coverage. Having this type of insurance will protect your company against claims filed by injured or sick employees. Additionally, having this coverage shows your employees that you are concerned for their wellbeing and want to protect them from harm. Having this coverage for your business can inspire feelings of company loyalty and can help you recruit and retain good workers.
Are you interested in learning more about workers compensation insurance in Los Angeles, CA? If so, then don’t hesitate to contact the team at Artisan Insurance Solutions. Our dedicated agents are ready to assist you with all your commercial coverage needs today.
Disclaimer: These are general descriptions of coverages. Please refer to your policy for actual coverage, limitations, & exclusions. Please call for details.
