Workers’ Compensation is required by the State of California. In almost all cases, caregivers are to be designated “Employees” paid by a W2. It is illegal to designate them as 1099 Independent Contractors if they do not fully fall into that category. One penalty by OSHA, EDD, or DSS will cost thousands. Workers’ Compensation insures your employees with wage replacement, vocational rehabilitation, and medical benefits related to a work related injury or illness. Accidents and illnesses are unexpected and, at times, unavoidable.

We launched a new Workers Compensation Program not offered by any other Agent in CA at reduced prices. This uniquely special program comes with Risk Management Services that can help you minimize the risk of staff injury. These services typically cost RCFEs thousands of dollars. You will not find this level of care, attention, and knowledge elsewhere.

We have helped Assisted Living companies find inexpensive coverage for over a decade. Our professional insurance agents understand the exceptional underwriting demands from the insurance companies. That’s why we’ve developed applications designed to assist you to get the best rates and most flexible payment options.

 What Does Workers’ Comp Cover?

Workers’ comp policy protects employees when injured. Because injuries and accidents occur, a workers’ comp policy is a no-fault system that pays injuries and claims. It’s required by law in most states.

• Loss of income for employees unable to perform job duties

• Medical costs for employees injured at work

• Retraining expenses for employees unable to return

• Survivor benefits

Coverage does not protect employers from all. Sometimes employees and companies can be negligent. On occasion, your workers’ compensation policy won’t protect companies or employees from the legal liability resulting from a workplace injury.

• Injuries Caused by a breach of this law

• Incidents resulting from employees’ use of alcohol or drugs

• Injuries that did not happen in connection with the job

• Clear company policy violations

• Injuries that did not occur in connection with the occupation