Affordable Insurance Solutions

 Under California Labor Code Section 3700, every employer is required to carry workers' compensation insurance if they have even one employee.

• Not having coverage is illegal, and can lead to:
   
  • Fines of up to $100,000
     
  • Stop work orders shutting down your business
     
  • Criminal charges, including jail time
     

If an employee is injured on the job and you don’t have workers' comp, you can be personally sued for medical bills, lost wages, and pain and suffering. With a policy:

• Injured workers give up the right to sue you in most cases
   
• Your legal liability is drastically reduced

Workers’ compensation pays for:

• Medical care
• Emergency room visits
• Surgeries, rehab, medication 
• Ongoing treatment for work-related injuries or illnesses

 If an injured employee can’t work, the policy provides temporary disability benefits to replace lost wages—keeping your team supported and avoiding hardship for your staff. 

Offering workers' compensation shows employees you value their safety and well-being. It:

• Encourages loyalty
• Boosts moral 
• Helps recruit and retain top talent