Worker's Compensation Insurance

This mandatory insurance for all businesses with employees can be a real challenge and is certainly a major expense for your business. We will work with you to find the balance of reasonable pricing while working to find a solid insurance company that will be there for your business in the event of a claim.

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Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work.

Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Tague Alliance Insurance can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you’ll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.

In California, worker's compensation insurance is mandatory for most employers and provides coverage for injuries or illnesses that employees sustain while on the job. Some important coverages provided by worker's compensation insurance in California include:

Medical Benefits: Covers the cost of medical treatment related to a work-related injury or illness, including doctor visits, hospital stays, and prescription drugs.
Temporary Disability Benefits: Provides wage replacement benefits to employees who are unable to work while they recover from a work-related injury or illness.
Permanent Disability Benefits: Provides wage replacement benefits to employees who suffer a permanent disability as a result of a work-related injury or illness.
Death Benefits: Provides financial support to the dependents of an employee who dies as a result of a work-related injury or illness.
Vocational Rehabilitation Benefits: Provides assistance to employees who are unable to return to their previous job due to a work-related injury or illness, including job training, education, and job placement services.
Legal Defense Coverage: Covers the cost of legal defense if an employee sues the employer over a work-related injury or illness.
Employer's Liability Coverage: Provides coverage for employer liability for work-related injuries or illnesses that are not covered by the worker's compensation policy.

It's important to note that the specific benefits and coverages provided by worker's compensation insurance can vary depending on the policy and the type of industry the employer operates in.

There are several ways a business can save money on worker's compensation insurance in California. Here are some of the best ways:

Create a Safe Workplace: One of the best ways to reduce the cost of worker's compensation insurance is to create a safe work environment. This can include implementing safety policies and procedures, providing safety training to employees, and investing in safety equipment and tools.
Manage Claims: Promptly reporting and managing workplace injuries and illnesses can help control the cost of worker's compensation insurance. This includes establishing a return-to-work program, monitoring claims, and working with the insurance company to settle claims quickly and efficiently.
Classify Employees Correctly: Classifying employees correctly based on their job duties and the risks associated with those duties is essential to controlling the cost of worker's compensation insurance. Misclassifying employees can result in higher premiums.
Implement a Drug-Free Workplace: Implementing a drug-free workplace program can help reduce the risk of workplace injuries and illnesses, which can help control the cost of worker's compensation insurance.
Consider a Higher Deductible: Choosing a higher deductible can reduce the cost of worker's compensation insurance premiums, but it's important to ensure that the business has the financial resources to cover the deductible if needed.
Work with an Experienced Broker: Working with an experienced insurance broker who specializes in worker's compensation insurance can help businesses find the best rates and coverage options for their specific needs.