When it comes to providing workers compensation insurance for construction & trade contractors in Tuolumne, 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 Tuolumne California
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 Tuolumne CA 95379, 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 Tuolumne 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 advancements in tools, strategies, 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 work at heights, with often harmful equipment and machinery, and just the very nature of a demanding, physical job, 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 Tuolumne can be dangerous as utilizing industrial machinery and working with harmful materials can lead to illness, injury, or perhaps death. So protecting your workers with contractors workers compensation insurance is not just wise but mandated and regulated at the state level.
When you have contractors workers compensation insurance in Tuolumne, you’re protecting your business from potential lawsuits and giving your contractors the services they need when they are off work due to injury or illness.
You’ll be covered as your policy will take care of medical expenses, lost earnings and wages, rehab costs and death benefits.
Likewise, 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 completely, 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 avoid injury on-the-job by placing emphasis on safety, but having the contractor’s workers compensation insurance will give you one less thing to stress over.
Independent Contractor Workers Compensation Insurance, Are They Covered?
Is independent contractor workers compensation insurance required? Because 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 think about as a business owner, since sometimes the line between an employee, contractor, independent contractor, and subcontractor can be fuzzy.
You’ll wish to discuss this with a legal or insurance professional proficient and educated 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, since they are separate business entities from your company and not workers, you do not need to carry workers comp coverage for them.
But, you want to make certain that you entirely comprehend the worker’s compensation laws in your state, so make sure that you know them inside and out by contacting a workers compensation insurer or an attorney with expertise 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 options, but if they have not elected to select self-insurance, you have to be aware of this information.