- What is it?
Workers compensation insurance is generally designed to cover expenses related to job-related injuries and illnesses. It helps smooth the legal process after an accident in the workplace.
- Who’s it for?
The state generally requires that businesses with employees carry workers comp insurance. Failure to procure coverage when required can be a misdemeanor under California Labor Code. Violations may result in fines of up to $10,000 and a year in county jail.
- What is offered?
- Accidental Injuries (e.g. machinery-related injuries)
- Long-Term Injuries (e.g. injuries from repetitive movements)
- Sudden Illnesses (e.g. accidental chemical poisoning)
Workers Compensation in California
What is workers compensation insurance?
When accidents happen at the workplace, they can lead to financial burdens for both employers and employees. For California-based businesses, these potential liabilities are usually mitigated through workers compensation insurance, which helps ensure that workers receive compensation and employers normally aren’t sued.
Workers compensation insurance is generally designed to cover expenses related to job-related injuries and illnesses. It helps smooth the legal process after an accident in the workplace.
Which California businesses need workers comp insurance?
The state generally requires that businesses with employees carry workers comp insurance. Failure to procure coverage when required can be a misdemeanor under California Labor Code. Violations may result in fines of up to $10,000 and a year in county jail.
These requirements normally apply regardless of how many employees a business has and regardless of a businesse’s industry. Of course, having coverage isn’t just to obey legal requirements but also helps protect the business if there’s an employee injury.
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What types of claims does workers comp insurance cover?
Workers comp typically provides protection against a broad spectrum of job-related injuries and illnesses that employees could sustain. Coverage frequently includes but isn’t necessarily limited to:
- Accidental Injuries (e.g. machinery-related injuries)
- Long-Term Injuries (e.g. injuries from repetitive movements)
- Sudden Illnesses (e.g. accidental chemical poisoning)
- Long-Term Illnesses (e.g. illnesses due to exposure to substances like asbestos)
Coverage is generally applicable in instances of these incidents causing illness, injury or death.
Does workers comp coverage extend to truck driver’s injuries?
Workers comp coverage is normally limited to only workers who are classified as employees. While the coverage likely would extend to truck drivers’ injuries if they’re employees, many truck drivers are classified as independent contractors rather than employees. Workers comp normally doesn’t cover independent contractors.
When drivers are working as independent contractors, occupational accident insurance might provide the injury coverage that’s needed.
An insurance agent can help trucking and freight companies determine which employees should be covered by workers comp, and which require occupational accident coverage.
What are workers comp insurance NCII classification codes?
In workers compensation policies, employees are often classified according to their specific industry through numerical codes set by the National Council on Compensation Insurance (NCCI). A few examples of classifications with their associated codes include:
- 0005: Nursery farm workers
- 2041: Chocolate and cocoa manufacturers
- 7038: Sightseeing watercraft operators
- 8803: Financial auditors and accountants
- 8829: Staff at convalescent and nursing homes
In some cases, NCCI codes can be quite specific. For instance, code 2143 is for cider manufacturers, 5190 refers to holiday decorators, code 0079 is for vineyards, and code 2143 is assigned to wineries.
An insurance agent who’s versed in workers comp can help ensure that businesses correctly classify their employees according to NCCI standards.
How much are premiums for workers compensation coverage?
The cost of workers compensation premiums is influenced by numerous factors, such as the number of employees, their classifications and salaries, and any recent claims history. There are still many other variables that can also impact cost.
An independent insurance agent can provide business owners with customized workers compensation quotes from various insurers. This is an easy way to find out how much coverage would cost for might cost for your business.
How can California businesses secure workers compensation insurance?
If your business is located in California and you’re seeking workers compensation insurance, contact the independent insurance agents at Truck Writer Insurance Services. Our agents have the expertise necessary to make sure you find the workers comp coverage (and occupational accident coverage if applicable) that your business needs.