The world of law is complicated and intense. That’s why in this week’s blog, we want to give you more information about workers’ compensation. We are going to focus on what are the requirements to obtain workers’ compensation as an employee. This will also help you identify when your company is not complying with the law.
This is what you need to know:
- According to the local laws of the state of California, being insured with workers’ compensation is mandatory for all companies, regardless of the number of employees they have.
- If the company is based in another state but has operations in California, they must also adhere to this.
Do you need workers’ compensation insurance if you are a self-employed person?
This is not mandatory for freelancers, but if you are, you should consider it. More than anything because this will help make your expenses more accessible if you suffer an accident during your work hours. Not all health insurance covers these types of accidents.
Is workers’ compensation insurance required if you work part-time?
The number of hours you work does not affect your ability to have workers’ compensation insurance if you have an accident. If this happens and you do not have insurance, your company would have to prove that you are self-employed.
Are you a freelancer and want to know where to buy workers’ compensation insurance?
There are two ways:
- A private company: you can apply with some insurance companies. If you want it, you can apply online.
- A state fund: California has many state funds so that you can purchase insurance through them.
These are some of the requirements that your company must meet; otherwise, they could be forced to pay costly fines. If your business is not complying and you don’t have workers’ compensation insurance, give us a call.