Workers compensation is a type of occupational injury insurance that protects workers from costly medical expenses from injuries or illnesses that occur while on the job. California requires this insurance as a safeguard against saddling workers with unnecessary expenses and against lawsuits. At Shockley Insurance Solutions we develop customized workers compensation solutions for businesses. We know that even though most workers compensation is similar, it is never the same from enterprise to enterprise.
We will go over all of the factors that determine your workers compensation with you so that you firmly understand your needs. We will help you assign coverages to these needs and ensure that your plan is complete.
Workers compensation pays for doctors’ and hospital bills and some disability benefits. California has a limit of $1M for defense costs, and medical expenses have no limit. This type of insurance can be purchased as an add-on to an existing policy or as a standalone policy. The rates you pay for workers compensation vary depending on the unique characteristics of your business, including the number of employees you have and the size of the business.
At Haisha Insurance we carefully examine your operation so that we can create an optimal solution. A critical part of creating this solution is assigning the right coverages. The coverages we offer include:
There are instances in which workers compensation can be denied, despite the broad spectrum of coverages that this type of insurance provides. We will go over all of these with you and educate you further about what your policy provides and how it works.