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Workers' Compensation Insurance for
California's Businesses & Their Employees
Protect your workers on the job by having a cost-effective worker's compensation plan.
Coverage tailored on payrolls, your business, and its employees.
Access to multiple top rated companies.
Simple guidance from a trusted independent agency.
Takes about 2 minutes - No obligation
What Does Your Worker's Compensation Insurance Cover?
Workplace Injuries
Covers medical treatment and recovery costs if an employee is injured while performing their job duties.
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Occupational Illnesses
Provides benefits for illnesses caused by workplace exposure, such as respiratory conditions or repetitive stress injuries.
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Rehabilitation Costs
Helps cover physical therapy and rehabilitation services needed for an injured employee to recover and return to work.
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Lost Wages
Provides partial wage replacement if an employee is unable to work while recovering from a work-related injury.
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Additional Coverage Options
Disability
Offers financial support if a workplace injury results in temporary or permanent disability.
Job Retraining
May help cover training or education if an employee cannot return to their previous job due to a workplace injury.
Death Benefits
Provides financial support to an employee’s dependents if a work-related injury results in death.
Medical Expenses
Covers necessary medical care such as doctor visits, hospital treatment, medication, and surgeries related to a workplace injury.
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Worker's Compensation
Frequently Asked Questions
If you have any additional questions, please email info@bollinsure.com or get a review of all your insurance needs.
What is workers compensation insurance?
Workers compensation insurance helps provide benefits to employees who are injured or become ill as a result of their job. These benefits may include medical treatment, rehabilitation costs, and partial wage replacement depending on the claim.
Does workers compensation cover medical treatment?
Workers compensation generally helps cover reasonable medical treatment related to a work injury or illness, including doctor visits, hospital care, medications, and certain medical procedures depending on the claim.
Are employers required to carry workers compensation insurance?
Many states require businesses with employees to carry workers compensation insurance. Specific requirements vary depending on state laws and the number of employees.
What factors affect the cost of workers compensation insurance?
Workers compensation premiums may depend on factors such as industry type, payroll size, job classifications, claims history, and workplace safety practices.
What types of injuries are typically covered by workers compensation?
Workers compensation may apply to many types of workplace injuries such as falls, equipment accidents, repetitive strain injuries, and other incidents that occur during the course of employment.
What are rehabilitation benefits in workers compensation?
Rehabilitation benefits may include services designed to help injured employees recover and return to work. These services can include physical therapy, occupational therapy, and in some cases vocational rehabilitation.
What should an employee do if they are injured at work?
Employees should report workplace injuries to their employer or supervisor as soon as possible and seek medical attention if needed. Prompt reporting helps ensure the claim process can begin properly.
Can workplace safety programs impact workers compensation costs?
Many businesses implement safety programs, employee training, and risk management practices to help reduce workplace injuries. These programs may also positively influence insurance costs over time.
Can workers compensation cover occupational illnesses?
Yes. Workers compensation may also apply to occupational illnesses or conditions that develop due to work-related exposures, such as certain respiratory conditions, repetitive stress injuries, or other job-related health issues.
Does workers compensation replace lost wages?
Workers compensation may provide partial wage replacement for employees who are unable to work due to a covered injury or illness. The amount and duration of these benefits depend on the circumstances and applicable regulations.
What responsibilities do employers have when an injury occurs?
Employers generally must document the injury, report the claim to their workers compensation insurance carrier, and follow applicable workplace safety and reporting requirements.
How often should workers compensation coverage be reviewed?
Businesses often review their workers compensation coverage annually or when there are significant changes such as hiring additional employees, expanding operations, or entering new industries.