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Los Angeles Employer Workers' Compensation Law Blog

Is Self-Insurance the Right Choice for Your Business?

Owners of small and medium sized businesses often face the dilemma of whether to farm out their workers’ compensation insurance or handle it in-house. This is an important decision that could have serious financial and operating implications for a business.

While there is no simple answer that would fit every company, there are some considerations that could help you make the right choice for your business.

Workers filing fraudulent claims often make social media mistakes

While many workplace injuries are valid, some workers may exaggerate or even concoct fake injuries to cheat the workers’ compensation system. Workers may be aided in creating falsified claims with the help of coworkers, doctors or even lawyers. Fraudulent workers’ compensation claims are especially common in California, where there is a no-fault system in place. Workers can make claims for medical expenses and even back-pay without proving evidence of an injury.

What To Look For In Your Workers' Compensation Defense Attorney

When you start your own company and begin bringing on employees, you do so with great intentions and high hopes. Every employee is screened to make sure they are the best fit for your company's mission. The workplace is scrutinized and every decision is made with deep thought and contemplation for all involved.

You pour your heart and soul and likely a lot of your financial stability into your company. So when something goes wrong, it is important to have someone strong by your side to defend you and protect what you have worked so hard to grow. This is why having a strong defense attorney for workers' compensation claims are so important.

Is Workers' Comp Necessary When You Have Unpaid Volunteers?

Operating a business can be difficult on its own without the inclusion of anything extra, like workers' compensation or other forms of liability insurance. Workers' compensation has been known to confuse and cause problems for employers, especially when they are unsure of what is applicable under law. While many employers are aware that they are legally required to purchase workers' compensation insurance, regardless of how many employees they have or what industry they are in, they don't necessarily know the circumstances when it is or isn't applicable.

There is some question as to the circumstances in which an employee is eligible for a workers' comp claim. This can include the details of the claim--what happened, the severity of the injury, etc.--and what type of employee the claimant is categorized as. So what about when the employee in question is a volunteer? Do employers need to offer workers' compensation when the employee isn't in a paid capacity?

Does Your Small Business Need A Worker's Compensation Lawyer?

Running your own small business comes with its own obstacles and hassles, but dealing with workplace injuries is not the most obvious of those obstacles. Accidents do happen, and if you have employees, you've probably had the conversation about worker's compensation insurance. If one of your employees experiences injuries on the job and chooses to file a claim, you might be panicking and unsure of what your next move should be. If you're currently in one of these three situations, you want to consider hiring a worker's compensation lawyer to represent your small business.

Why you need to report employee first aid claims

Since January 1, 2017, all California employers carrying workers’ compensation coverage have been required to report any work accident or worker injury where medical care is provided and medical costs are incurred. This includes first aid treatment and “medical only” claims.

According to Brookhurst.com, first aid is a one-time treatment for minor injuries not usually requiring medical care, such as splinters, scratches, burns, cuts, etc., and any follow-up visit(s) for observation. Medical only is an injury or claim incurring medical treatment costs, whether or not the employer or insurer pays those costs, and whether or not a workers’ compensation claim form is filed. Both claim types must be reported individually. Employers are not, however, required to enter first aid claims on their 300 log for the Occupational Safety and Health Administration.

Excluded employees under California’s new workers’ comp law

Effective January 1, 2017, California’s law changed with respect to who can and cannot be considered an excluded employee for purposes of workers’ compensation coverage. The major change has to do with executive officers. Cavignac.com defines executive officers as follows:

  • President
  • Any vice president
  • Secretary
  • Assistant Secretary
  • Treasurer
  • Assistant Treasurer

In addition, executive officers include those so designated by the operating agreement of a limited liability company or by the charter or by-laws of a corporation and elected and empowered by the directors. Since there often are numerous vice presidents in a company, not all of whom are empowered by the charter, corporations should be aware that most insurance underwriters consider only those specifically referenced in corporate documents to be excludable from either workers’ compensation or the maximum payroll cap.

What is a repetitive stress injury?

For workers in California and all over the country, repetitive stress injuries are exceedingly common. Workers afflicted with these injuries are sometime unable to carry out job tasks, and their quality of life may even be affected. To this end, it’s important to understand the facts on repetitive motion injuries, from what areas are impacted to how they occur. 

According to WebMD, repetitive actions are at the heart of these types of injuries. They typically present as either bursitis or tendinitis, each of which has an array of painful symptoms and complications. In fact, both disorders may exist simultaneously, which can complicate proper diagnosis. More than 50 percent of injuries related to sporting activities involve some sort of repetitive motion, in addition to being quite common in workplace.

What should I know about workers’ compensation insurance?

In California, employers must be fully up-to-date on all applicable workers’ compensation regulations. Lack of knowledge can lead to a workplace being considered non-compliant, which in turn can lead to fines and even damaging lawsuits. To this end, having the right information is a top concern so that employers can steer clear of transgressions in the event of a work injury on the job.

Accordingly, California’s Department of Industrial Relations answers some of the more common questions afforded by employers in the state. For instance, many employers want to know if there are exemptions to the state’s worker compensation laws when it comes to coverage. According to state laws, all workplaces that employ at least one worker must have coverage in place. In some cases an employer may opt to implement a private policy, but this usually occurs when the business is a sole proprietorship.

How can you prevent fire injuries on construction sites?

As an employer in the Los Angeles construction industry, you likely know that your line of work consistently ranks among the most dangerous. Crews working outside during the summertime may be exposed to even more dangers than normal, particularly from fire. The exposure of equipment and materials to the heat combined with the dry conditions can make for an especially combustible mix. Fires present the potential for devastating injuries and even death, along with the risk of liability claims alleging inadequate safety and suppression measures. Fortunately, there are steps that you can take to help protect workers from fires on construction sites.

Standards set by the Occupational Safety and Health Administration place the responsibility on you to develop a fire protection program to cover all phases of a construction project. As part of this program, you must ensure the following:

  •          That all workers have access to reliable firefighting equipment at all times
  •          That all firefighting equipment be conspicuously located
  •          That all firefighting equipment be routinely inspected, and that any defective equipment be immediately replaced

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