Most businesses that have employees have to follow the requirements of the state of California to provide workers compensation insurance in Los Angeles to help protect them from any of the various exposures they may face when the duties of their employees put their staff at possible risk. Under most workers’ comp systems, employers are required to purchase insurance that provides benefits to employees who suffer work-related injuries and illnesses.
A qualified insurance agent can help with your insurance concerns so that your employees can get benefits, regardless of who may have been at fault, for any workplace accident that happens. In return, the policy provides employers with the needed protection from lawsuits filed by injured employees seeking monetary damages. Often an injured worker may attempt to sue for any pain and suffering or mental anguish related to the accident and any subsequent injuries.
What workers’ compensation covers
Laws for workers’ compensation require that coverage is made available for any work-related injury or illness. However, the injury or illness does not necessarily have to occur in the workplace. As long as it’s a result of a job-related incident it’s covered by the policy. For example, an employee would be covered if they experience illness or are injured while traveling on job-related business, or if running an errand, or attending a meeting as long as it is also business-related.
Any injuries that happen, such as repetitive stress injuries (RSIs), or illnesses that result from exposure to workplace chemicals, toxins or radiation, will also be covered under the policy. Any injury should be brought to the attention of a manager or supervisor so the reporting process can get underway and a claim filed with human resources.
Issues not covered under workers’ comp
There are certain instances where injuries and illnesses would not be covered by your workers’ compensation insurance in Los Angeles, and coverage will likely be denied. This includes situations involving injuries caused by intoxication or drugs, self-inflicted injuries or if any injury is the result of a fight taking place.
Injuries resulting from horseplay or any felony-related charges, or any that are later claimed by an employee that has been terminated or laid off are likely to be denied. Injuries to an employee while not at work do not qualify, along with any violation of company policy, which would also be void. Speak to an insurance agent to help determine which program will work best for you.