When it comes to providing workers compensation insurance for construction & trade contractors in Willits, 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 Willits 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 Willits CA 95490, 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 Willits CA, the threats 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 peace of mind– of the best workers compensation insurance coverage you can get.
While modern improvements in tools, methods, devices, and training in the building and construction industries focused on safety, it is still unavoidable that on-the-job injuries and illnesses are going to occur.
Manual labor at heights, with in some cases hazardous equipment and machinery, and just the very nature of a demanding, physical task, your contractors are going to require workers comp from time-to-time.
Contractors Workers Compensation Insurance: What Is It?
As we’ve alluded to, the building and construction industries in Willits can be harmful as utilizing commercial equipment and dealing with harmful products can lead to 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 Willits, you’re protecting your business from prospective 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 take care of medical expenses, lost earnings and wages, rehab expenses and death benefits.
Also, 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 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 avoid injury on-the-job by placing emphasis on safety, but having the contractor’s workers compensation insurance will offer you one less thing to fret about.
Independent Contractor Workers Compensation Insurance, Are They Covered?
Is independent contractor workers compensation insurance needed? Since 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 need to think about as a company owner, due to the fact that sometimes the line between an employee, contractor, independent contractor, and subcontractor can be fuzzy.
You’ll want to discuss this with a legal or insurance professional proficient and experienced 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, since they are separate business entities from your company and not workers, you do not need to carry workers comp protection for them.
However, you wish to ensure that you totally comprehend the worker’s compensation laws in your state, so make sure that you know them inside and out by getting in touch with a workers compensation insurer or a lawyer with competence 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 options, but if they have not elected to choose self-insurance, you have to be aware of this information.