Advantage partners with the major private and public carriers for Workers Comp to cover every size and type of business, including
first-time coverage, coverage after lapses and seasonal employees.
What Workers Comp Covers
Workers Comp protects businesses against these 2 types of liabilities: ​​​​​​
1. Medical Expenses and Lost Wages
For employees who become injured or ill at work.
2. Legal Expenses
To defend your business against claims that workplace
conditions caused an employee to become injured or ill.
Fact: The average workplace injury costs $32,000
according to the National Safety Council.
Who's required to have Workers Comp
Workers Comp is required by law in California for any business that has employees, whether full or part-time, temporary or seasonal, including family members and un-insured subcontractors
Sole Proprietors and Subcontractors
Even if a sole proprietor has no employees, or uses only sub-contractors, many small contractors still carry Workers Comp for these reasons:
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Merely having another person help carry your tools or materials can be enough to open you up to a Workers Comp claim.
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Even if you subcontract work, in some cases, you can still be held liable for work-related injuries to a subcontractor.
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Some contractors, like roofers, are legally required to carry Workers Comp, whether they have employees or not.
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General Liability insurance doesn't cover you personally if you have an accident on the job, but Workers Comp can
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Higher-paying clients, such as corporations, schools, HOAs (Home Owner Associations), churches and municipalities usually require contractors carry Workers Comp.
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Before the Contractors State License Board (CSLB) will issue or renew a license, one must either, 1) file a Certificate of Workers' Compensation Insurance or 2) file and obtain an exemption to certify that one doesn't have any employees.
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So, before hiring any employee, even temporarily, always make sure you have Workers Comp in place first.
