Workers Compensation in Campbell, CA and San Jose, CA

Keep Your Employees Protected.

Coverage Plus Insurance Agency understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

But should an accident happen, having the right Workers Compensation plan from Coverage Plus Insurance Agency can allow your business to ensure payments and cover expenses if No job is without its occupational liabilities, and at times any employee could get hurt just when they’re trying to do their job. As a result, they might face significant personal losses that might threaten them with financial insecurity. It’s at this point that their employer should be able to step in to provide workers’ compensation benefits.  

Common Workers Compensation Insurance Questions  

What is Workers Compensation Insurance Coverage?

 When someone sustains an occupational injury, they could face significant personal challenges, such as:

• Medical bills caused by emergency treatment and ongoing care

• Temporary or permanent disabilities that require rehabilitation and maintenance

• Lost income resulting from their inability to continue to work

All these challenges could create a lot of financial insecurity for the victim. Because the injury occurred on the employer’s time, then it is the employer’s workers compensation insurance that can provide the necessary financial assistance.  

Who Does Workers Compensation Insurance Cover?  

Workers compensation insurance has two primary objectives:  

• Having a policy frees the employer from liability for employee accidents in most cases. By agreeing to take workers compensation benefits, the employee waives the right to sue the employer over their injury, except in certain circumstances.

• The employee will be able to use their workers compensation benefits as supplementary income throughout their recovery period. Benefits will help replace the money lost from their inability to work in their normal capacity.

 

When Is Workers Compensation Insurance Required?  

All employers in California must carry workers compensation insurance, with limited exceptions. Both full- and part-time employees qualify for coverage.  

How Does Workers Compensation Insurance Work?  

There are numerous injuries that might qualify an employee for workers compensation, including:  

Depending on the employee’s qualifications for coverage, workers compensation might provide:

The employee must receive verification of their injury from a physician (of their choice) and file the appropriate documentation with their workers’ compensation claim. At this time, the insurer will follow California’s workers’ compensation guidelines to determine both the value of benefits and the length of time for which the recipient will qualify for assistance.  
Call us today at 408-626-7800 or request your free policy quote online to learn more!