Displaying items by tag: Workers insurance

Workers’ compensation insurance is one out of the several business insurance essentials a business should have for Burbank, California Citizens. Suppose one of your employees gets sick or injured from a work-related cause. In that case, the workers’ comp insurance helps in medical treatment, lost wages, funeral costs, disability benefits, and more. This type of insurance helps employees get back on track. 

Are you wondering how to get workers’ compensation insurance? It is easy to get one! In this article, we will discuss how to get workers’ comp insurance. Scroll down to know more.

How to get workers’ compensation insurance? 

• Private workers’ comp insurance companies

The state regulates private workers’ compensation insurance. Still, they set their own cost and control customer approval. Get better quotes and excellent customer service with private workers’ comp insurances.

• State-funded workers’ comp insurance 

There is state-funded workers’ comp insurance if you cannot afford private insurances. These programs help to get the coverage needed for your employees.

• Competitive state-funded workers’ comp insurance 

A competitive state-funded workers’ comp insurance is when your state offers private insurance and state programs to cover your protection. They are generally competing with one another. 

• Monopolistic state-funded workers’ comp insurance

In Ohio, Wyoming, Washington, and North Dakota, private insurance companies are prohibited to sell their products. These monopolistic states require business employers to directly purchase workers’ comp insurances from a government-operated insurance fund.

• Through an agent or broker 

Insurance companies often resort to agents or brokers to sell their products. The benefit of getting insurance from these individuals is discussing the product in person. An agent or broker can meet with you and help you understand the coverage you may need for your business. 

Agents and brokers are not the same. An agent sells insurance products from different insurance companies while an insurance broker represents their customers. Brokers ask for insurance quotes and costs from insurance companies on your behalf. They also select coverage limits and submit applications under your name. 

How to get the best workers’ comp insurance

Purchasing workers' compensation insurance can be a difficult task. There are numerous aspects to consider when it comes to state regulations.

That is why it's crucial to work with a workers' compensation insurance firm with a lot of experience. We are here to assist you, no matter how big or little your company is. Request a quote today to discover more about how we can help you secure your company.

Logos Insurance Services is now serving Burbank, California Citizens to assist you in getting workers’ compensation insurance for your business. Get a quote today! Call us at (818) 649-2267 or visit our website www.logosinsure.com to learn more about our offered insurance services.

A business in Burbank, California, big or small, is inevitable to risks and errors. At some point in your daily operations, there will be mistakes made. Whether you run a digital marketing agency, a clothing store, or a small construction firm, there is a chance that something might go wrong. 

Some of the cases might involved a customer tripping over your broken tiles or your delivery man colliding with another vehicle. Regardless of the mistake, your small business is at stake. Hence, you should opt for protection. Small business insurances can be your fighting sword for penalties, damages, and legal fees as a result of tragic events.

But how to determine the best small business insurance? In this article, we will discuss the types of small business insurance employers can get. 

What is small business insurance? 

Small business insurance is similar to any other insurance except that it is intended for small businesses. It is recommended to buy business insurances to protect oneself or the company from legal liability. 

Small business insurance is required by law. As a business owner, it is essential that you buy business insurance like unemployment insurance, disability insurance, and of course, worker’s compensation. These vary from state to state. 

The best small business insurance for you 

Not all small business insurance is considered the same. It depends on the type of small business you run. Determining the right coverage for your small business is a complex process. You will need to consider factors like your assets, state laws, liabilities you need to be protected against, and more. 

Here is a list of essential insurance every small business owner must have. It may or may not be what your business will need. 

• General Business Liability Insurance

This type of business insurance protects you from claims relating to personal injuries, product-related liabilities, and property damage.

• Professional Liability Insurance

This type of business insurance protects you from negligence claims.

• Worker’s Compensation Insurance

This type of insurance protects your rights as an employee in case of injury or sickness.

• Commercial Auto Insurance 

This protects your vehicles that are used in business. 

Be insured now! 

Logos Insure handles your insurance needs with professionalism and knowledge in the field. Get help from genuine people who understand your industry and can respond to your inquiries quickly.  

Be insured now! We offer a range of business insurances to protect you and your small business.

Logos Insurance Services is now serving Burbank, California Citizens to assist you in determining what type of insurance fits your small business and, if so, what types of policy coverages would be most appropriate for your budget and circumstances. Call us at (818) 649-2267 or visit our website www.logosinsure.com to learn more about our offered insurance services.

What is Worker’s Compensation Insurance Policy for San Gabriel, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving San Gabriel, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for Calabasas, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving Calabasas, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for Pasadena, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving Pasadena, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for South Pasadena, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving South Pasadena, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for Santa Clarita, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving Santa Clarita, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for San Fernando, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving San Fernando, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for Redondo Beach, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving Redondo Beach, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

What is Worker’s Compensation Insurance Policy for Santa Monica, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving Santa Monica, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.