Are you underinsured when it comes to workers' compensation? If so, your business could be an accident waiting to happen.
California law mandates workers' compensation insurance for every business. Even if you only have one employee, you need the coverage. If you are a contractor, you may need workers' comp coverage even if you have no regular employees. Temporary employees must be covered, and if you are a roofer, California law requires you have coverage for yourself.
Beyond the legal requirements, small business owners will discover many other benefits to carrying workers' compensation:
1) Without a policy, you could face devastating legal damages if an employee is injured on the job.
2) Workers' compensation payments can help injured employees get appropriate medical care, so they can return to work sooner.
3) You, as owner, and any co-owners who work for the company will be covered should you experience a job-related injury.
Of course you could also face serious fines and litigation if your coverage does not comply with the law.
Little and Sons Insurance can help Beaumont-area businesses find the workers compensation coverage they need. To learn more and get a quote, contact them.
