{"id":1857,"date":"2022-04-04T12:33:41","date_gmt":"2022-04-04T19:33:41","guid":{"rendered":"https:\/\/bhmdev.com\/sphilipsins\/?page_id=1857"},"modified":"2026-05-13T09:56:15","modified_gmt":"2026-05-13T16:56:15","slug":"workers-compensation","status":"publish","type":"page","link":"https:\/\/bhmdev.com\/sphilipsins\/workers-compensation\/","title":{"rendered":"Workers Compensation"},"content":{"rendered":"

[et_pb_section fb_built=”1″ disabled_on=”off|off|off” admin_label=”Feature” _builder_version=”3.22″ background_color=”#eaf7fd” custom_padding=”50px||100px||false|false” bottom_divider_style=”arrow3″ bottom_divider_color=”#ffffff” bottom_divider_flip=”horizontal” global_colors_info=”{}”][et_pb_row padding_top_bottom_link_1=”true” _builder_version=”3.25″ max_width=”1280px” custom_margin=”0px||0px||true” custom_padding=”0px||0px||true” animation_direction=”bottom” use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”0px||0px|” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.14.8″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”1.8em” header_font=”Kanit|||on|||||” header_text_align=”center” header_text_color=”#0788CA” header_font_size=”44px” header_line_height=”1.1em” header_2_font=”||||||||” module_alignment=”left” custom_margin=”0px||10px||false|false” custom_margin_last_edited=”off|desktop” custom_padding=”|||” custom_padding_tablet=”|0vw||0vw||true” custom_padding_phone=”|||||false” custom_padding_last_edited=”off|desktop” animation_style=”fade” animation_direction=”bottom” header_font_size_tablet=”36px” header_font_size_phone=”” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Workers\u2019 Compensation Insurance<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”About” _builder_version=”3.22″ custom_padding=”40px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.14.8″ custom_margin=”0px||90px||false|false” custom_margin_tablet=”||50px||false|false” custom_margin_phone=”||50px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||true” use_custom_width=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Workers Comp Blurb” _builder_version=”4.14.8″ text_font=”Montserrat|300|||||||” text_text_color=”#5e7a8a” text_font_size=”18px” text_line_height=”1.8em” link_font=”||||||||” ul_font=”||||||||” ol_font=”||||||||” quote_font=”||||||||” header_font=”||||||||” header_2_font=”Kanit|300||on|||||” header_2_text_align=”center” header_2_text_color=”#009285″ header_2_font_size=”40px” header_2_letter_spacing=”0.4px” header_2_line_height=”1.5em” header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”Lato|700|||||||” header_6_font_size=”18px” header_6_letter_spacing=”1px” header_6_line_height=”1.8em” width=”96%” max_width=”700px” max_width_tablet=”700px” max_width_phone=”” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Workers\u2019 compensation insurance is a type of business insurance that helps businesses provide income and medical benefits to employees who have been injured on the job. In most states, employers are required by law to have workers\u2019 compensation coverage. However, if you do live in a state that does not require it, it would be worth talking to one of our experts to decide if it is still protection you may want to have in place.<\/p>\n

If someone gets injured while on the job, the workers compensation policy is there to help pay for lost wages and medical costs associated with the employee’s job-related injury. For the injured employee, workers’ compensation allows them to continue to be able to pay their bills while they focus on getting healthy and back to work. For employers, workers\u2019 compensation insurance companies can provide assistance and guidance to help keep your employees safe and minimize financial risk if an injury occurs.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/bhmdev.com\/sphilipsins\/workers-comp-application\/” url_new_window=”on” button_text=”COMPLETE OUR WORKERS COMP APPLICATION HERE” button_alignment=”center” admin_label=”Work Comp App Button” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=”on” gutter_width=”1″ module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|desktop” custom_margin=”0px||0px||true” custom_padding=”0px||0px||true” make_fullwidth=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/bhmdev.com\/sphilipsins\/wp-content\/uploads\/2022\/04\/workers-comp-section.jpg” alt=”About S Philips Insurance Services Brokers, Inc” title_text=”workers comp section” show_bottom_space=”off” align=”center” force_fullwidth=”on” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.14.8″ custom_margin=”0px||0px||true” custom_padding=”0px||0px||true” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.14.8″ _module_preset=”default” custom_margin=”0px||0px||false|false” custom_padding=”90px||90px||false|false” custom_padding_tablet=”0px||0px||false|false” custom_padding_phone=”||||true|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.14.8″ custom_margin=”0px||60px||false|false” custom_margin_tablet=”40px||30px||false|false” custom_margin_phone=”||30px||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”0px||0px||true” use_custom_width=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.14.8″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.14.8″ _module_preset=”default” text_font=”Montserrat|300|||||||” text_font_size=”18px” text_line_height=”1.8em” header_3_font=”Kanit|300|||||||” header_3_text_align=”center” header_3_text_color=”#0788CA” header_3_font_size=”30px” header_3_line_height=”1.3em” width=”96%” max_width=”700px” max_width_tablet=”700px” max_width_phone=”700px” max_width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||0px||false|false” text_font_size_tablet=”18px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” header_3_font_size_tablet=”30px” header_3_font_size_phone=”24px” header_3_font_size_last_edited=”on|phone” module_alignment_tablet=”center” module_alignment_phone=”center” module_alignment_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

What Are Some Of The Specific Benefits Workers Compensation Can Include In California?<\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.14.8″ custom_margin=”0px||60px||false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||30px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||true” use_custom_width=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.14.8″ background_color=”#f4f4f4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0788CA” image_icon_width=”75px” _builder_version=”4.14.8″ _module_preset=”default” body_font=”Montserrat|300|||||||” body_font_size=”16px” body_line_height=”1.8em” global_colors_info=”{}”]<\/p>\n

Medical Care <\/strong><\/span>to help you recover from the injury or illness that happened at work. This includes doctor visits, tests, prescription drugs, durable medical equipment, and some travel costs necessary to treat your injury and facilitate your recovery.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.14.8″ background_color=”#f4f4f4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0788CA” image_icon_width=”75px” _builder_version=”4.14.8″ _module_preset=”default” body_font=”Montserrat|300|||||||” body_font_size=”16px” body_line_height=”1.8em” global_colors_info=”{}”]<\/p>\n

Payments<\/strong><\/span> if you have lost wages because your work-related injury prevents you from doing your job.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.14.8″ background_color=”#f4f4f4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0788CA” image_icon_width=”75px” _builder_version=”4.14.8″ _module_preset=”default” body_font=”Montserrat|300|||||||” body_font_size=”16px” body_line_height=”1.8em” global_colors_info=”{}”]<\/p>\n

Permanent Disability Benefits<\/strong><\/span> if you won\u2019t recover completely and your injury causes a permanent loss of physical or mental function as attested to by a physician.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.14.8″ custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||true” use_custom_width=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.14.8″ background_color=”#f4f4f4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0788CA” image_icon_width=”75px” _builder_version=”4.14.8″ _module_preset=”default” body_font=”Montserrat|300|||||||” body_font_size=”16px” body_line_height=”1.8em” global_colors_info=”{}”]<\/p>\n

Assistance<\/strong><\/span> to help pay for retraining or skill enhancement if you are eligible to receive permanent disability benefits, your employer doesn\u2019t offer you work, and you don\u2019t return to work for your employer. This benefit is available for workers injured in 2004 or later. If your injury also occurred in 2013 or later and you received a Supplemental Job Displacement Benefit, you may also be eligible for an additional, one-time payment under the Return-to-Work Supplement Program.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ background_color=”#f4f4f4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb use_icon=”on” font_icon=”h||divi||400″ icon_color=”#0788CA” image_icon_width=”75px” _builder_version=”4.14.8″ _module_preset=”default” body_font=”Montserrat|300|||||||” body_font_size=”16px” body_line_height=”1.8em” global_colors_info=”{}”]<\/p>\n

Death Benefits<\/strong><\/span> payable to your spouse, children, or other dependents if you die from a job-related injury or illness.<\/p>\n

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Our Experienced Workers Compensation Experts<\/strong><\/span> can provide you with options designed to meet the needs of your unique situation and business needs. Having this insurance in place with a reputable insurance company will allow you to run your business without worrying about how accidents beyond your control could impact your employees or business operations.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.14.8″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Learn More About Workers’ Compensation Insurance” _builder_version=”4.14.8″ text_font=”Montserrat|300|||||||” text_text_color=”#5e7a8a” text_font_size=”18px” text_line_height=”1.8em” header_2_font=”Kanit|300||on|||||” header_2_text_align=”center” header_2_text_color=”#0788CA” header_2_font_size=”40px” header_2_letter_spacing=”0.4px” header_2_line_height=”1.5em” header_6_font=”Lato|700|||||||” header_6_font_size=”18px” header_6_letter_spacing=”1px” header_6_line_height=”1.8em” text_orientation=”center” custom_margin=”||||false|false” custom_padding=”10px||10px||true|false” header_2_font_size_tablet=”” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” z_index_tablet=”500″ text_text_shadow_horizontal_length_tablet=”0px” text_text_shadow_vertical_length_tablet=”0px” text_text_shadow_blur_strength_tablet=”1px” link_text_shadow_horizontal_length_tablet=”0px” link_text_shadow_vertical_length_tablet=”0px” link_text_shadow_blur_strength_tablet=”1px” ul_text_shadow_horizontal_length_tablet=”0px” ul_text_shadow_vertical_length_tablet=”0px” ul_text_shadow_blur_strength_tablet=”1px” ol_text_shadow_horizontal_length_tablet=”0px” ol_text_shadow_vertical_length_tablet=”0px” ol_text_shadow_blur_strength_tablet=”1px” quote_text_shadow_horizontal_length_tablet=”0px” quote_text_shadow_vertical_length_tablet=”0px” quote_text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length_tablet=”0px” header_text_shadow_blur_strength_tablet=”1px” header_2_text_shadow_horizontal_length_tablet=”0px” header_2_text_shadow_vertical_length_tablet=”0px” header_2_text_shadow_blur_strength_tablet=”1px” header_3_text_shadow_horizontal_length_tablet=”0px” header_3_text_shadow_vertical_length_tablet=”0px” header_3_text_shadow_blur_strength_tablet=”1px” header_4_text_shadow_horizontal_length_tablet=”0px” header_4_text_shadow_vertical_length_tablet=”0px” header_4_text_shadow_blur_strength_tablet=”1px” header_5_text_shadow_horizontal_length_tablet=”0px” header_5_text_shadow_vertical_length_tablet=”0px” header_5_text_shadow_blur_strength_tablet=”1px” header_6_text_shadow_horizontal_length_tablet=”0px” header_6_text_shadow_vertical_length_tablet=”0px” header_6_text_shadow_blur_strength_tablet=”1px” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” global_colors_info=”{}”]<\/p>\n

Learn More About Workers’ Compensation Insurance | California Law and More<\/h2>\n

If you’re wondering whether you need a workers’ compensation insurance policy, what the law in California has to say, and more, you can find the answers in the Q&A section below.<\/p>\n

[\/et_pb_text][et_pb_accordion _builder_version=”4.14.8″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_accordion_item title=”Is this type of insurance required by law in California?” open=”on” _builder_version=”4.14.8″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Each state establishes its own rules for workers’ compensation. The majority of states require that all employers obtain it as soon as they recruit their first worker, and California is no different. The only states that allow businesses to choose whether or not to obtain workers’ compensation are South Dakota and Texas.<\/p>\n

Employers in California can obtain a workers’ compensation insurance from a reliable insurer, such as S Philips Insurance Services, or a self-insured workers’ compensation bond by receiving a certificate from the California Department of Industrial Relations (DIR).<\/p>\n

Contact us<\/a> today to learn more about the workers’ compensation law in California that applies to workers’ compensation insurance for contractors.[\/et_pb_accordion_item][et_pb_accordion_item title=”What will workers’ compensation insurance cost?” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

The cost of obtaining workers’ compensation insurance will depend on a variety of factors. This includes the number of staff members on your team, the type of work they do, the industry you’re in, and your claims history. We will take these variables into account when estimating occupational risk and calculating premiums.<\/p>\n

To learn more about the cost, you will need to talk to us for a more accurate estimate.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”How can an employee access their workers’ compensation benefits?” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Workers should seek medical assistance as needed and inform their employer promptly if they become unwell or injured at work.<\/p>\n

The workers’ compensation claim process must be initiated by providing accurate information and according to the established reporting requirements. You will need to go through the workers\u2019 comp policy to determine the process that must be followed or turn to us for assistance.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Do I need to obtain nanny workers’ compensation insurance?” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

In California, you are typically required to offer workers’ compensation insurance coverage if you hire a nanny. According to California law, domestic workers, including nannies, are considered to be employees and must receive workers’ compensation benefits from their employers.<\/p>\n

Suppose you pay your nanny more than a certain minimum amount or work with them for more than an established number of hours per week. In that case, you must comply with this rule.<\/p>\n

In the event that your nanny suffers injuries or illnesses at work, having a workers bond for her will help to protect both you, the employer, and the nanny. It offers protection for medical bills, disability benefits, and additional associated allegations.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”What are the consequences of not having workers’ compensation insurance? ” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Running a business or employing people without the necessary workers’ compensation insurance can have negative legal repercussions, including fines, penalties, and possible employer liability. Workers might still be qualified to seek compensation through other channels, like personal injury litigation.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Should I choose a bond company for my workers’ compensation insurance or follow the self-insurance program?” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Whether you’re pursuing workers’ compensation insurance for security companies or a trucking company, you have two options: approach a surety company or self-insure. Ultimately, the option you choose will depend on your preferences. However, there are a few factors to consider when making your choice:<\/p>\n