Workers’ Compensation Insurance
Workers’ Compensation insurance is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. While the federal government administers a Workers’ Comp program for federal and certain other types of employees, each state has its own laws and programs for workers’ compensation.
In general, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault — the employee, the employer, a coworker, a customer, or some other third party. In exchange for these guaranteed benefits, employees usually do not have the right to sue the employer in court for damages for those injuries.
When you choose Olympic Insurance to manage your Workers’ Comp program, you get:
• Claims Management
We provide our own in house professional to mitigate claims, discuss safety and prevention programs, and conduct claim reviews so claims are handled properly.
• Safety & Loss Control
In accordance with the California Code of Regulations, every California employer must have a safety program that includes employee training and instruction on general and job-specific safety and health work practices. Not only that, different industries have different requirements for safety programs. We’ll help work you through the maze of regulations and irregularities.
• Carrier Selection and Relationships
We have longstanding relationships with over twenty leading carriers. We will research and find the very best Carrier that suits your specific needs.
• Cal OSHA Compliance
We assist you with Cal OSHA issues and compliance requirements. If you need to set safety goals or comply with injury and illness record-keeping, our team can help you put these in place. Contact one of our specialists for a consultation.
• Injury and Illness Prevention Program
According to California law, companies must establish, implement and maintain a written Injury and Illness Prevention Program. Failure to do so can result in Cal OSHA citations. In addition companies can have higher workers’ compensation costs, increased insurance rates and most important, risk employee safety. Our experts will be happy to assist you in implementing your Injury and Illness Prevention Program, tailored to your company’s individual needs.
To find out more, including available creative funding alternatives. Click here to request a no-obligation, complimentary claims review.