Workers' Compensation

Keeping Employees and Businesses Throughout California

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.

Coverage Tailored to your Operation

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:

  • Medical care: An injured employee’s medical expenses and treatment
  • Temporary disability benefits: The replacement of lost wages from injury time off
  • Permanent disability benefits: Payments employee receives if they don’t completely recover
  • Supplemental job displacement benefits: Helps pay for retraining or skill enhancement if an employee doesn’t recover completely and doesn’t return to work
  • Death benefits: Payments to employee’s children or other dependents if employee dies from a job injury or illness.

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.