If you’re a business owner you understand the necessity of having workers compensation insurance in Los Angeles. Mandated by law, it protects the employees in the event of an accident or injury on the job. The insurance covers medical expenses, provides disability payments while unable to work, and sometimes will pay for retraining and rehabilitation as well. All insurance policies cover the basic requirements. To ensure your business and employees are in the best hands, look for an insurance company that goes the extra mile.
Insurance companies can do much more than just sell you a workers comp policy. When shopping for your coverage, consider some of the following options:
- Assistance in designing and implanting a safety plan according to OSHA guidelines
- Cooperation with health care providers to provide return-to-work programs
- Ensure your company’s safety regulatory compliance and assist in conducting self-assessments
A high-quality insurance company will help you keep your premiums low. They can monitor your claims history to check for reporting errors. Maintaining an accurate loss history for your business and calculating the experience modification factor are two additional services they should provide. When looking for workers compensation insurance in Los Angeles, ask prospective insurance providers what additional benefits they can offer so your business can operate at peak performance.