Common Question About Workers Compensation Insurance California
You Ask, We Answer
What Is The Purpose Of Workers' Compensation Insurance?
The purpose of Workers’ Compensation Insurance is to protect both employees and employers. It provides employees with medical coverage and financial support in the event of a work-related injury or illness while protecting employers from potential lawsuits by limiting their liability.
Are All Injuries Covered Under Workers' Compensation Insurance?
Workers’ Compensation Insurance covers injuries and illnesses that arise out of and in the course of employment. However, certain exceptions exist, such as injuries resulting from intoxication, self-inflicted injuries, or injuries incurred while a team member is engaged in illegal activities.
What Should An Employee Do If They Experience An Injury On The Job?
If an employee experiences injury on the job, they should report the injury to their employer immediately. The employer will provide the necessary forms and guidance to initiate the Workers’ Compensation claim process. Seeking medical attention and documenting the details of the incident are also essential steps.
Can Independent Contractors Be Covered By Workers' Compensation Insurance?
Typically, Workers’ Compensation Insurance covers employees rather than independent contractors. Independent contractors are responsible for obtaining their insurance coverage. However, the classification of workers as employees or independent contractors can vary based on legal criteria specific to each jurisdiction.