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Workers Comp Insurance Plan Options

Buying workers’ comp insurance from QuoteBroker Insurance Services doesn’t mean purchasing a standard policy. It is a policy tailored to your Santa Clarita, CA business.

Workers’ Compensation: What You Need To Know

Because each state administers its own workers’ compensation program, people sometimes think that every business buys the same exact policy. Instead, each business buys a workers’ comp policy designed specifically for it.

Your business’s workers comp policy covers the number of employees you hire. The size of your business, number of employees, and location of your business provide a guide for the premiums for your policy, but each state uses different policy requirements. If you move your business to California from another state, your workers’ comp policy will change.

Workers’ compensation policies must include coverage for medical treatments, disability benefits, vocational rehabilitation, and death and funeral services. You can add endorsements to cover other items though, such as alternative care, which includes items like acupuncture.

The items you can add as an endorsement also vary by state and underwriter. In some states, this policy extends to contractors and subcontractors working with your business.

If you have workers who frequently travel to other states, you can list these states in your declarations area of the policy. This means that your workers comp policy purchased in California will cover your workers when they travel to the states named. Otherwise, your worker might file a claim in the other state, for example, Oregon. Without having declared it in the policy, your insurance wouldn’t cover them, and you’d have to pay out of pocket.

Give Us A Call

Contact QuoteBroker Insurance Services serving Santa Clarita, CA for more information about workers’ compensation insurance. Let us help you customize your policy to perfectly cover your business.

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