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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.

Self-insurance is another option, but employers must understand what is required of them in this case. To self-insure, a business owner must be approved by the state, must post a security deposit, have a yearly net income of at least $500,000 and must possesses a net worth at a minimum of $5 million. Self-insurance can also be implemented for a group of employers, which has made it a more attractive option in recent years.

Additionally, insured businesses must follow pertinent regulations when it comes to postings and signage. This entails posting a notice about workers’ compensation in an area where employees can easily access it. Signage includes pertinent information regarding details of the coverage, information on medical providers and other important rules and regulations. New employees will also be privy to a hand out that spells out applicable laws even further.


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