Workers Compensation in California

California Workers’ Comp Insurance Requirements

According to the California Labor Code Section 3700, if you are an employer in San Francisco, CA, you are required to purchase workers’ compensation benefits for your employees. In some cases, you may also choose to purchase this insurance for yourself. This is generally if you are the sole proprietor of your business.

Workers’ Comp Insurance Options

As a business owner, you likely need multiple types of insurance, including commercial insurance and property insurance. You may even need commercial auto insurance. Workers’ comp insurance is one of the essential forms of insurance because it is mandatory according to the government. The goal of this type of insurance is to protect your employees, and sometimes yourself, in the event of an injury.

If an accident occurs and yourself or an employee is injured or if someone becomes ill, workers comp insurance will cover the medical care for the injury or illness. Workers’ comp insurance will also cover the wages for an employee replacement.

One unique thing about workers’ comp insurance is that it does not matter who was at fault concerning the injury or illness. With this in mind, it is also the law that because workers’ comp insurance exists and is mandatory, there are limited rights granted to employees when it comes to suing employers for personal injury damages. In other words, if you provide workers’ comp insurance for your employees and an accident occurs that results in serious injuries, your employee will not be able to sue you even if you were at fault.

Contact Biddle-Shaw Insurance Services, Inc. Today

Are you a San Francisco, CA resident who is looking for workers’ comp insurance? If so, Biddle-Shaw Insurance Services, Inc. can help. If you’re interested in a workers’ comp policy for yourself or your employees, come to our local insurance office or give us a call. One of our agents would be happy to speak with you about your workers’ comp insurance plan options. We look forward to hearing from you!