When it comes to providing workers compensation insurance for construction & trade contractors in Saratoga, 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 Saratoga 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 Saratoga CA 95070, 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 Saratoga CA, the dangers of work-related injuries are fairly high. And as a company owner, if you have construction & trade contractors working for you, you require the protection– and comfort– of the best workers compensation insurance coverage you can get.
While modern developments in tools, techniques, devices, and training in the building and construction industries concentrated on safety, it is still inevitable that on-the-job injuries and illnesses are going to happen.
Manual labor at heights, with sometimes harmful equipment and machinery, and just the very nature of a demanding, 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 mentioned, the building and construction industries in Saratoga can be dangerous as utilizing industrial equipment and working with dangerous materials can cause illness, injury, or perhaps death. So protecting your workers with contractors workers compensation insurance is not just smart but mandated and regulated at the state level.
When you have contractors workers compensation insurance in Saratoga, you’re protecting your business from potential lawsuits and providing your contractors the services they need when they are off work due to injury or illness.
You’ll be covered as your policy will look after medical expenses, lost earnings and wages, rehabilitation expenditures and death benefits.
Likewise, agents for the insurance provider you employee will be able 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.
Consider it as a type 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 give you one less thing to worry about.
Independent Contractor Workers Compensation Insurance, Are They Covered?
Is independent contractor workers compensation insurance required? Considering that independent contractors are different, you need to understand that state law does not make independent contractor workers compensation insurance mandatory.
Still, this is something that you have to consider as a company owner, since sometimes 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 skilled and educated of the worker’s compensation laws in your state.
Does a Subcontractor Need Workers Compensation Insurance?
Does a subcontractor need workers compensation insurance? It depends, in general, no, because they are different business entities from your company and not workers, you don’t need to carry workers comp coverage for them.
However, you want to make sure that you totally comprehend 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 insurance provider 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 starts with their choices, but if they haven’t elected to select self-insurance, you need to know this information.