Elo Insurance Agency
Coverage for workplace injuries and employer obligations
Workers’ compensation policies may provide statutory benefits to employees and employers liability coverage, subject to policy terms and California law.
California employer requirement
California employers must provide workers’ compensation benefits to employees. Some specified contractors may be required to carry coverage even without employees. Confirm the rule for your business with the state or qualified counsel.
Benefits and employers liability
Workers’ compensation can provide medical care, temporary disability, permanent disability, supplemental job displacement, and death benefits for covered work-related injury or illness. Employers liability addresses certain claims outside the statutory benefit system.
Classification and audit
Premium depends on job duties, classification codes, payroll, ownership, subcontractors, locations, experience modification, and loss history. Keep certificates, payroll, and role descriptions organized for audit.
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