A Workers’ Compensation (or “Workers’ Comp.”) insurance policy provides the insured/employer with protection and coverage to handle the expenses when the employee is injured or becomes ill as a direct result of the employment environment. These covered injuries or illness may include medical treatment, the loss of wages or disability, and also the rehabilitation/training or vocational education to return the injured employee to full duty or as near full duty employment as possible.
All businesses are mandated by the state of California to have an active Workers’ Compensation policy at all times when they have any form of at-willful employment. While Workers’ Comp. is the most common type of liability policy, it is perhaps the least understood. We often find new clients unknowingly pay an exorbitant amount on their current WC policy.
For many businesses, Workers’ Comp. coverage is the single largest component of its insurance expense. Our agents at Zein insurance Services assess the factors affecting your line of business to design the type of coverage that best suits your business means and needs.