Workers compensation coverage in California pays for medical care and physical therapy for employees that are injured as a result of working for your business. This coverage also pays for lost wages while the employee is unable to work. This coverage can protect your business from a lawsuit.
Workers’ compensation in California is a type of insurance that provides wage replacement and medical benefits to employees injured on the job in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for negligence.
It is important to talk to your licensed insurance agent at Motz-Rusin Insurance about differences between a workers’ compensation policy and ones in the state of California. Workers compensation functions in many ways. Sometimes it acts as a form of disability insurance, other times as a form of compensation for economic loss, reimbursement of medical expenses, benefits payable to dependents of someone who may have been killed and more.
General damages such as pain and suffering and punitive damages for negligence are generally not covered by workers compensation.
If your business would like more information on Worker’s Compensation Coverage in Palm Desert or anywhere in the state of California, please contact us today.