Workers Compensation

Please call us at 559-226-4700 for more information.

Workers compensation insurance is designed to provide medical treatments and wage benefits to employees who were injured or ill while working.

This type of coverage is required by law in most states (including California), and it is considered social insurance since it relies on the contract between management and labor. Hence, business owners are protected from lawsuits from their workers who suffered an injury.

This coverage provides four types of benefits (medical care, death, disability, rehabilitation) for employee job-related injuries or diseases as a matter of right (with-out regard to fault). This insurance is usually purchased by the employer, from an insurance company, although in a few states there are monopolistic state funds through which the insurance must be purchased. The premium rate is based on a percentage of the employer's payroll and varies according to the employee's occupation.