RF Insurance Group writes WC Insurance for businesses in of the SW States.  Your employees are covered nationwide.  You receive our concierge treatment.  If you are a small business with limited exposures, you may want to consider our “Direct Insure Program” (see the small business section).  Directly on line to our multiple insurance carriers.  Quick & Easy issue.  Best pricing!

About workers compensation insurance?

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

State laws require that you determine carefully whether a 1099 employee is to be considered and employee to be covered in WC.  Specific guidelines are to be followed and a later audit can determine that you owe additional premium for this exposure because the state requires you carrier to pay the benefit.  Consider how closely this 1099 employee is managed and trained, plus who controls when they come and go from work.  We can help you better understand the guidelines so you are not surprised later.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

If you have a Group Voluntary Accident Plan, these payments are in addition to WC benefits.  Your voluntary benefit payments are direct to your employee and coverage is included for on the job injuries.

Thank you for your interest in RF Insurance Group. We work diligently throughout California, Arizona and Nevada to find the best coverage customized for your unique needs. Please feel free to call our office at 520-448-4498 or email your questions and an agent will reply promptly.