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Do You Need Workers’ Compensation If All Your Employees Are Family Members?

If you have a family business in Valencia, CA, you may wonder if you need to purchase workers’ compensation insurance. The answer to this question depends on a few factors. You can learn more about workers’ compensation from QuoteBroker Insurance Services and whether or not your family business needs it.

What Is Workers’ Compensation?

Workers’ compensation is a system in the United States and many other countries that provide benefits to injured workers or who contract an illness at work. State governments usually administer the program as part of social welfare programs.

Are Family Members Exempt from Workers’ Comp in California?

No. California Labor Code Section 3351 defines an employee as any person employed by an employer, regardless of their legal status. This includes employees who are related to the employer.

Who Can Be Excluded from Workers’ Compensation in California?

The Labor Code specifies that every employer must secure workers’ compensation insurance or self-insurance that provides their employees medical benefits and partial lost wages. To elect for self-insurance, the employer must meet a set of criteria defined by the Department of Industrial Relations. Some of these criteria include the following:

For Three Full Years, The Company Must:

  • Be a legally-recognized business
  • Have independently audited and certified financial statements
  • Have an acceptable credit rating

A Note On Sole Proprietors:

Business owners who do not have any employees do not need to purchase workers’ compensation insurance. However, they may elect to buy it to cover themselves.

Give Us A Call

QuoteBroker Insurance Services, located in Valencia, CA, offers workers’ compensation insurance to businesses and individuals in the area. We are dedicated to providing our clients with great coverage at competitive rates.

Contact us right away to get started!

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.

Workers’ Compensation Insurance Options

If you are a business owner, workers’ compensation insurance can cover both you and your employees against losses outside of either of your control. It is mandatory to have this insurance in the state of California. We listed below what options there are within workers’ compensation insurance, and what workers and your company might need. 

Want to look into your current or new workers’ compensation cover, or want to receive more information on whether you need, or what you need? QuoteBroker Insurance Services in Santa Clarita, CA proudly offers quotes to businesses for workers’ compensation insurance. These can be customized to you and your business needs. 

What does workers’ compensation insurance cover?

Workers’ compensation insurance covers the loss of funds for your employee. By claiming on your insurance, this means you as an employer can cover these costs for them without having to pay this money out of your own pocket. 

Workers’ compensation insurance is usually something you as an employer would claim in the case of a workplace-related accident. Whether this was negligence or an accident, if the employee needs time off to recover from their injury or has medical costs to cover, this can usually come out of workers’ compensation insurance rather than from the employer or the company’s wallet. 

Not only does workers’ compensation insurance cover against time off for an employee or their medical costs, but it can also help you cover costs in case this employee sues you.

Are you ready to look into workers’ compensation insurance further? Pick up the phone and call QuoteBroker Insurance Services in Santa Clarita, CA. You can also request to compare quotes on our website.  

Never Be Confused About Worker’s Compensation Again

Worker’s compensation insurance is a complex topic that we at QuoteBroker Insurance Services understand perfectly well. Our team can help your Santa Clarita, CA business understand the unique issues impacting this unique coverage option.

How Does Workers Compensation Insurance Work?

Worker’s compensation insurance is something that all employers must pay to provide a fund for injured or sick employees. To start, you must:

  • Set up an insurance policy based on state laws 
  • Pay into your insurance fund for each employee 
  • Draw out of that fund when they are injured 

This simple operation means that your worker’s compensation insurance is surprisingly affordable and easy to integrate into a variety of different insurance needs. But what kind of problems does it cover? Let’s look at a few of the most commonly covered issues to give you an idea.

What is Covered?

Your policy covers any harm caused to your employees due to their job duties. These injuries or sicknesses can vary according to the type of work they do, including:

  • Worker injuries caused by slips and falls in your job
  • Recovery from work-related car crashes 
  • Surgery for conditions caused by work 
  • Severe infections or illnesses due to chemicals or toxins 

In this way, high-quality worker’s compensation insurance will make sure that your employees are covered. Just remember – any injury or illness caused at work by their duties will be covered by insurance. And your payments are made directly out of your insurance fund. This means that you don’t have to pay extra money to keep your workers in good financial health.

Where Can I Buy a Policy?

If you think that worker’s compensation is critical for your business, please contact us at QuoteBroker Insurance Services right away to learn more. We serve the Santa Clarita, CA, area and strive to provide our customers with high-quality help.

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