Importance of Being Covered By Commercial Insurance in San Francisco and Santa Clara, CA

 Business owners must provide for their employees to a certain extent. While delivering benefits is the employer’s prerogative, buying worker's compensation insurance in Oakland and San Francisco, CA is mandated by almost all states nationwide. This is a special insurance coverage that protects the workforce from injuries, disabilities, or any kind of illness occurring due to the job. It is beneficial for the employer as well, with the employee receiving the insurance claim not permitted to file a legal suit for the same reason.

The employer must check the extent of coverage provided to the employees before signing the insurance documents. The coverage that the injured or unwell employee is entitled to include the following:-

· Medical expenses- For hospital visits, prescription drugs, procedures, and emergency surgeries

· Lost wages - are covered up to a limit when the employee is advised to rest to recover from the illness, surgery,  or injury.

· Disability benefits - This is provided for both temporary and permanent disability.

· Ongoing care costs - For physical therapy

· Death benefits- For funeral costs with survivor benefits for the dependants of the deceased employee

The insurance company will pay the injured employee who falls ill on account of the tasks undertaken. It is usually paid to the worker regardless of the fault. The associated laws prevent the employees from taking any legal action against the employer

Exceptions

While the employee can expect compensation when injured on the job, the insurance company will not honor the claim when the injury or illness occurs in the following situations:

· When commuting- The insurance company will not pay the compensation when the employee is injured or taken ill during the commute to the office. Exceptions are usually made when the worker travels in the company vehicle or travels on the job.

· Intoxication or substance abuse- Consuming alcohol or drugs when on the job is strictly forbidden by most companies. Any mishap occurring due to intoxication or substance abuse is not held against the employer. The insurance company denies the claim in such circumstances.

· Workplace Fight- Workplace fights and scrambles between colleagues may result in physical injuries. The carrier will not cover such injuries as they will likely involve the law enforcement authorities.

Advantages

Workman’s compensation insurance has been formulated to help employees who get injured or ill when on the job. Being compensated for medical expenses and lost wages can help them to obtain the proper treatment. However, the employer who pays the premium every month benefits hugely  by gaining the following:-

· Legal Protection

· Financial Security

· Improved Employee Morale And  Workplace Productivity

· Reduced Risk Of Lawsuits

· Peace of Mind

True, buying worker's compensation insurance is not optional. A business owner may also consider purchasing coverages related to commercial insurance in San Francisco and Santa Clara, CA, to safeguard the operations and business premises and the vehicles used for business purposes.