Accidents are inevitable, especially in a risk-prone workplace. So to protect both the employee and employer, the State of California mandated that all employees must have worker’s compensation insurance (or sometimes referred to as the workman’s comp). The California workmans comp is a program provided to employers in the State of California so they can protect and insure their employees in case of any workplace accidents or work injury. This form of insurance provides just compensation to the injured employee. In exchange, the employee’s right to sue their employer for the tort of negligence is relinquished. Since this a compulsory mandate, then all employees are covered by this insurance policy. Included in the insurance policy are payment for medical expenses and rehabilitation costs, and replacement income of the injured employee. The California workmans comp insures that the employee who was injured at work receives appropriate medical care and properly rehabilitation so he could return to work as soon as possible. In some cases, employees are given monetary payments to compensate for the resulting temporary or permanent disabilities. The covered injuries by the policy ranges from slight injuries sustained while at work or serious ones that involves body part dismemberment. Also included are injuries sustained from repetitive actions or tasks while at work (examples are carpal tunnel syndrome and tenosynovitis). Of course, the benefit payment given would be determined by the type of injury sustained and its severity. Included in the policy is the remuneration of employee for lost wages relating to the on-the-job injury. Since an injured employee would not be able to go to work and earn money to support his family, the insurance provides payment to him while he is recuperating and rehabilitating. This insures that you are financially secured even if you are away from work. And in case of death in the workplace, members of the workers' families are eligible for benefits. The California workmans comp not only protects the employee but the employer as well. In case of any accidents in the workplace, the employer will be spared from litigation. This is because the injured worker, as stated in the policy and mandated by the laws of the State of California, is giving up his right to prosecute his current employer for gross negligence. As a result, the employer will not be sued if an employee is injured while at work or sustain an injury due to repetitive actions. Thus, the employers are spared from the costs of litigations that sometimes amount to millions of dollars. So it would be wise to invest on your worker’s compensation rather than face any litigation that might financially ruin the company. The beauty of the California workmans comp policy is that it doesn’t discriminate. Injured workers will receive benefit payments no matter whose fault it was, or no matter how slight or severe the injury was. It is guaranteed that you will be taken care of by the insurance policy you have in the event of any untoward accidents in the workplace.
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Accidents are inevitable, especially in a risk-prone workplace. So to protect both the employee and employer, the State of California mandated that all employees must have worker’s compensation insurance (or sometimes referred to as the workman’s comp).
Bryan McDonald is author of this article on Contractors General Liability Insurance. Find more information about California Workmans Comp here.
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