Most employees are unaware that workplace accidents can happen in any job setting. Accidents can occur on construction sites, inside luxurious high-rise office buildings, and even in posh retail stores.
Learn how employees can protect themselves from on-the-job accidents with insights from the experts at QuoteBroker Insurance Services in Santa Clarita, CA.
Workers’ Compensation Insurance: Protecting Employees
Workers’ compensation insurance is a form of coverage designed to provide financial support and medical care to California-based employees who sustain injuries at work.
How Workers’ Compensation Benefits Employees
Medical Coverage for Injured Workers
Employees who suffer an on-site injury can file a workers’ compensation claim with their employer to receive financial coverage for medical treatment related to their injuries. Those injured on the job without adequate insurance may find themselves shouldering the costs of emergency room visits, ambulance rides, and ongoing medical treatment.
Temporary Wage Replacement
Workers who are seriously injured on the job often need to take time off from work to recover fully. Some workers’ compensation insurance policies provide temporary or permanent wage replacement for affected workers. The amount of wages replaced depends on the selected coverage at the time the employee opted into their policy.
Disability Benefits
Severe or lifelong injuries sustained on the job may lead some employees to file for disability benefits as part of their workers’ compensation insurance. Disability insurance amounts are paid at an agreed-upon percentage and schedule according to the employee’s policy.
How to Start a Workers’ Compensation Insurance Policy in Santa Clarita, CA
Local employees seeking to protect their health and safety, as well as that of their loved ones, can start a new workers’ compensation insurance policy through their employer or by reaching out to a trusted local insurance agency.
Contact QuoteBroker Insurance Services in Santa Clarita to learn more about how to get covered today!
