Who Needs Workers’ Compensation Insurance in California?

Workers’ Compensation Insurance in California

Employers invest time and resources to protect their employees from work-related hazards. Even so, work-related illnesses and accidents happen regularly.

Each year, millions of workers suffer harm from work-related accidents and diseases. Factors like stress, fatigue, poor lighting, or improper training are behind numerous work-related accidents.

Injured or sick workers face high medical bills, lost income, and other stresses. The law protects employers from facing lawsuits for work-related injuries.

In return, employers are legally obliged to carry workers’ compensation insurance that provides benefits in the event of workplace injuries.

That said, it’s essential to have workers’ compensation insurance to protect your company from potential losses and liability. Here are examples of those who especially need workers’ compensation insurance.

If you need to update your coverage, you should speak with our insurance professionals.

Construction Companies

In the construction industry, required labor exposes employees to the risk of injuries that can bring an enormous financial burden to a company. Employers need to protect themselves from the industry’s high risk of injury and fatality, and workers deserve benefits.

Some of the workplace hazards in this industry include:

• Electrocution
• Respiratory diseases
• Slips, trips, and falls
• Manual handling
• Noise
• Moving objects

Workers’ compensation insurance caters to the needs of injured workers, including immediate medical needs, lost wages, and continuous care. 

Warehouses

According to the Bureau of Labor Statistics, the transport and warehousing sector recorded 252,100 injuries and illnesses in 2021. Unfortunately, injuries in the warehouse sector can often be fatal or cause long-term disability.

Some common hazards in the warehouse industry include moving vehicles, fire, lifting and handling, falling objects, and slips. Businesses in the warehouse industry should have workers’ compensation insurance to cover injured workers and related costs that may arise.

Healthcare

The healthcare industry is large and necessary for our society, but the millions of people working in the industry put themselves at risk of injury or illness for our well-being. Healthcare workers can be exposed to diseases, suffer injuries while helping patients, slip and fall, and more. When they suffer work-related injuries, they deserve to have full workers’ comp benefits covering all of their expenses and lost income. 

Truck Drivers

Drivers in the trucking industry work under tough conditions like extreme weather, long hours, and dangerous roads. As such, they are likely to be involved in accidents resulting in severe injuries.

Workers’ compensation insurance can assist trucking companies in paying the costs of trucker injuries that may arise. It may also compensate employees who lost wages due to trucking and delivery-related injuries.

Speak to a Trusted Workers’ Compensation Insurance Provider

In case of an accident, the related liability or expenses can ruin the finances of a company if the business does not have required workers’ comp coverage. Workers’ compensation insurance shields employers from these consequences and puts them in compliance with the law. You want the right coverage for your business. It, therefore, pays to work with a trusted provider like Panorama Insurance Agency.

At Panorama Insurance Agency, we work with numerous insurers to offer our clients the best service and prices. Contact us online or call us at 818-579-9663 to learn more.