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Construction & Trade Contractors Workers Comp in CaliforniaWhen it comes to providing workers compensation insurance for construction & trade contractors in California, we understand that your company’s needs are unique. Your employees are more apt to sustain injury and illness on the job because of the demanding physical nature of the job not to mention the use of dangerous tools, working outdoors and working at heights, and utilizing heavy equipment. So at California Workers Compensation Insurance Services, we have tailored our policies and coverages with your unique needs in mind. We’ll customize a policy just for your construction & trade contractors so you’ll have the protection you need for the inevitable, job-related injuries or illnesses which will happen.

Construction & Trade Contractors Workers Compensation Insurance Experts Near Me In California

The worker’s compensation insurance for your construction & trade contractors are mandatory and regulated by the state of California. So our coverages, policies, and our employees at California Workers Compensation Insurance Services work closely with the state. Our employees are licensed and certified and trained on any all aspects of workers compensation insurance. They can craft policies to make sure you and your employees are covered for medical expenses, lost earnings and wages, rehabilitation services and costs, and death benefits. When it comes to the coverage we can provide, you need to understand that contractors are not considered the same as other employees, so the coverage is different. We can help you with understanding any limitations.

Free Construction & Trade Contractors Workers Compensation Insurance Quotes – (619) 609-7928

Let us here at California Workers Compensation Insurance Services work with your business for your construction & trade contractors workers compensation insurance needs. If you own or operate a business in California , we’d love to work for you. So call us today at (619) 609-7928, and one of our friendly, helpful associates will answer any question. And please feel free to request a free quote.

More About Workers Comp For Construction & Trade Contractors

The Unique Worker’s Comp Needs of Construction & Trade Contractors

For construction & trade contractors in California, the threats of work-related injuries are reasonably high. And as a business owner, if you have construction & trade contractors working for you, you require the protection– and comfort– of the best workers compensation insurance protection you can obtain.

While modern advancements in tools, strategies, devices, and training in the building and construction industries concentrated on safety, it is still inescapable that on-the-job injuries and illnesses are going to happen.

Manual labor at heights, with often harmful equipment and machinery, and just the very nature of a requiring, physical task, your contractors are going to need workers comp from time-to-time.

Contractors Workers Compensation Insurance: Exactly What Is It?

As we’ve alluded to, the building and construction industries in California can be hazardous as using commercial equipment and working with harmful products can cause illness, injury, or perhaps death. So protecting your workers with contractors workers compensation insurance is not only sensible but mandated and regulated at the state level.

When you have contractors workers compensation insurance in California, you’re protecting your business from potential lawsuits and providing your contractors the services they require when they are off work due to injury or illness.

You’ll be covered as your policy will look after medical costs, lost earnings and wages, rehabilitation costs and death benefits.

Likewise, agents for the insurance company you employee will be able to work with you and your contractors to make sure the processes and procedures are followed completely, properly, and according to local, state and federal law.

Consider it as a type of safety net. Yes, you will do everything in your power to prevent injury on-the-job by placing focus on safety, however having the contractor’s workers compensation insurance will offer you one less thing to fret about.

Independent Contractor Workers Compensation Insurance, Are They Covered?

California Construction & Trade Contractors Workers CompensationIs independent contractor workers compensation insurance needed? Since independent contractors are different, you need to know that state law does not make independent contractor workers compensation insurance mandatory.

Still, this is something that you have to consider as a business owner, due to the fact that sometimes the line between an employee, contractor, independent contractor, and subcontractor can be blurry.

You’ll wish to discuss this with a legal or insurance professional competent and well-informed of the worker’s compensation laws in your state.

Does a Subcontractor Need Workers Compensation Insurance?

Does a subcontractor require workers compensation insurance? It depends, in general, no, given that they are different business entities from your company and not employees, you don’t have to carry workers comp protection for them.

But, you want to make certain that you entirely understand the worker’s compensation laws in your state, so ensure that you know them inside and out by calling a workers compensation insurer or an attorney with proficiency in workers comp law to see where you stand.

As an example, in California, subcontractors have rights and protections by law, and the onus of their protection begins with their choices, however if they haven’t elected to select self-insurance, you need to understand this information.

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