By California law, an employer with one or more employee must carry workers compensation insurance or be an authorized self insured entity. This coverage protects your employees due to an on the job accident. The coverage includes loss of wages and medical expenses. Fines from investigating California agencies randomly inspect businesses, so it is important to be properly informed and covered.
This coverage is one of the most complicated and misunderstood coverage available. There is a fine line between a sub-contractor and an employee, most of the time a sub-contractor would actually be identified an employee. We have several programs available to fit your industry, whether you are a new business venture, have many losses or have a large business we can help you each step of the way. Contact a Narvaez Agent today to learn more how we can help.
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