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Express Financial & Insurance Services

3222 Santa Monica Blvd
Santa Monica, CA 90404

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Is Workers’ Compensation Part of Commercial Insurance?

If you have employees, you’re typically required to have workers’ compensation insurance to cover them in case they’re harmed on the job. You will typically be held liable if they sustained any type of injury while furthering the interests of the company. This principle applies to all industries, even ones that wouldn’t necessarily be considered dangerous for its workers. If you’re in Santa Monica, CA, Express Financial & Insurance Services wants you to have as much information as possible. 

Buying Workers’ Compensation Insurance 

Your commercial insurance may or may not cover workers’ compensation, though many policies will bundle these costs together. Each state has its own rules and requirements when it comes to workers’ compensation insurance, and California tends to err on the side of caution. In other states, you may not need insurance for companies with under a certain amount of employees. However, in California, you’ll need protection if you have even one employee. In addition to state rules, your industry may have specific rules about workers’ compensation. Jobs with more risks may require business owners to purchase additional coverage. 

Understanding Your Options 

Express Financial & Insurance Services works with business owners from a variety of industries in Santa Monica, CA. We help get them the coverage they need to keep their business alive. Just one lawsuit or compliance violation can threaten the future of a business, and leave it open to failure.

If you want to learn more about your options, give us a call today to learn more about how the right policy for you. You may also want to consider increasing the coverage of your current policy as well. Injuries in the workplace can be common, regardless of whether your employees work in an office building, from their home, or at an outside location.