Workers Compensation


As a California business, you are required to provide workers compensation insurance from the day you hire your first employee. Workers compensation is a social insurance program designed to provide a variety of benefits to any employees who may be injured during their work. Workers compensation provides peace of mind for both employees and employers. Employees will receive medical treatment for work-related injuries, and employers can be confident they will be protected in the case of a lawsuit.

What does workers compensation cover?

Most workers compensation insurance policies provide the following key coverage areas: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits. The specifics of each policy will depend on the needs of the business. If your business stretches across state lines, the workers compensation you offer may need to meet varying requirements. To learn more about your legal obligations, you can visit the website for the California Department of Industrial Relations.

Workers compensation can be triggered by either an isolated incident, like a slip and fall accident that has immediate effects, or by repeated exposures, such as a consistent repetition of a motion that damages a muscle. Workers compensation provides financial benefits to the injured employee. These benefits are usually temporary and replace the employees lost wages during recovery, however, in the case of more serious accidents, they may become permanent.

Why do I need a workers compensation broker?

Whether you’re contemplating changing policies or whether you’re just getting started, partnering with a workers compensation broker will help you ensure that you’ve selected the best coverage for your unique needs and risks. At Frankel & Associates, we evaluate possible policies based on a variety of factors such as premium costs, individual liabilities, business size and the providers previous claims response history. As a result, you’re able to save time and money by considering only plans that meet your requirements!

Selecting a workers compensation policy as an individual can be extremely time consuming and confusing. Obtaining accurate quotes requires speaking with providers directly, as well as providing dozens of business details, only to receive a confusing term sheets and frequent follow-ups. When you work with a workers compensation broker, we evaluate your needs first. Every business is different, and the brokers at Frankel & Associates get to know yours before presenting you with policy options. Our focus is obtaining the best coverage for the right price, not upselling an expensive package. With our exceptional customer service, finding a workers compensation policy has never been easier!