When it comes to providing workers compensation insurance for construction & trade contractors in Oak View, 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 Oak View 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 Oak View CA 93022, 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.
The Unique Worker’s Comp Requirements of Construction & Trade Contractors
For construction & trade contractors in Oak View CA, the risks of work-related injuries are fairly high. And as a business owner, if you have construction & trade contractors working for you, you need the protection– and comfort– of the best workers compensation insurance coverage you can get.
While modern advancements in tools, methods, devices, and training in the building and construction industries concentrated on safety, it is still unavoidable that on-the-job injuries and illnesses are going to happen.
Manual work at heights, with sometimes dangerous 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: What Is It?
As we have actually alluded to, the building and construction industries in Oak View can be unsafe as using industrial equipment and working with harmful materials can cause illness, injury, or even death. So protecting your workers with contractors workers compensation insurance is not only wise but mandated and regulated at the state level.
When you have contractors workers compensation insurance in Oak View, you’re protecting your business from potential lawsuits and giving your contractors the services they require when they are off work due to injury or illness.
You’ll be covered as your policy will take care of medical costs, lost earnings and wages, rehab expenditures and death benefits.
Also, agents for the insurance company you employee will have the ability to work with you and your contractors to make sure the processes and procedures are followed thoroughly, correctly, and according to local, state and federal law.
Think of it as a kind of safety net. Yes, you will do whatever 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 stress over.
Independent Contractor Workers Compensation Insurance, Are They Covered?
Is independent contractor workers compensation insurance needed? Given that independent contractors are different, you have to know that state law does not make independent contractor workers compensation insurance mandatory.
Still, this is something that you need to consider as a company owner, due to the fact that at times the line between an employee, contractor, independent contractor, and subcontractor can be blurred.
You’ll want to discuss this with a legal or insurance professional proficient and knowledgeable 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, because they are separate business entities from your company and not staff members, you don’t have to carry workers comp coverage for them.
But, you wish to make certain that you completely understand the worker’s compensation laws in your state, so make sure that you understand them inside and out by calling a workers compensation insurer or an attorney with know-how 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, but if they haven’t elected to choose self-insurance, you need to understand this information.