When it comes to providing workers compensation insurance for construction & trade contractors in Oxnard, 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 Oxnard 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 Oxnard CA 93030, 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 Needs of Construction & Trade Contractors
For construction & trade contractors in Oxnard 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 protection you can acquire.
While modern improvements 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 occur.
Manual labor at heights, with often unsafe equipment and machinery, and just the very nature of a requiring, physical task, your contractors are going to require 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 Oxnard can be hazardous as using industrial equipment and dealing with hazardous materials can cause illness, injury, and even death. So protecting your workers with contractors workers compensation insurance is not only smart but mandated and regulated at the state level.
When you have contractors workers compensation insurance in Oxnard, you’re protecting your business from prospective lawsuits and offering 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 expenditures, lost earnings and wages, rehabilitation expenses and death benefits.
Also, agents for the insurance provider you employee will have the ability to work with you and your contractors to make sure the processes and procedures are followed thoroughly, properly, and according to local, state and federal law.
Think about it as a type of safeguard. Yes, you will do everything in your power to avoid injury on-the-job by placing focus on safety, however having the contractor’s workers compensation insurance will provide you one less thing to fret about.
Independent Contractor Workers Compensation Insurance, Are They Covered?
Is independent contractor workers compensation insurance required? 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 think about as a business owner, since sometimes the line between an employee, contractor, independent contractor, and subcontractor can be blurry.
You’ll want to discuss this with a legal or insurance expert competent and experienced of the worker’s compensation laws in your state.
Does a Subcontractor Require Workers Compensation Insurance?
Does a subcontractor require workers compensation insurance? It depends, in general, no, given that they are separate business entities from your company and not staff members, you do not need to carry workers comp coverage for them.
However, you want to ensure that you totally understand the worker’s compensation laws in your state, so ensure that you understand them inside and out by getting in touch with a workers compensation insurer or a legal representative with knowledge 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 have not elected to pick self-insurance, you have to be aware of this information.