Overview
Workers' compensation pays for medical care and lost wages when an employee is hurt or becomes ill because of their job. It also protects you, the employer, from being sued over most workplace injuries.
In California, every employer with one or more employees is required by law to carry workers' compensation insurance or be approved to self-insure. Operating without it can lead to stop-work orders and serious penalties.
What's covered
- Medical careDoctor visits, hospital care, therapy and prescriptions
- Lost wagesTemporary disability payments while an employee recovers
- Permanent disabilityBenefits when an injury has lasting effects
- Death benefitsSupport for an employee's dependents
- Employer's liabilityProtection if you're sued over a workplace injury
- Return-to-work helpSupport getting injured employees back on the job
Who it's for
Any California business with employees, including part-time workers. Restaurants, contractors, offices, retail, salons, auto shops, property management, healthcare practices and more.
Workers' comp is priced mainly on your payroll and the type of work your employees do. Making sure each employee is classified correctly is one of the best ways to avoid overpaying.
Why work with Assan Insurance Agency
We've served Los Angeles businesses and property owners since 2000 from our office on Westwood Boulevard. You work directly with the owner, Kamran Lalehpour, in English or Farsi, and we review your coverage every year so it keeps up with your business.
Common questions
Do I need workers' comp if I only have one employee?
Yes. In California, even one employee, including part-time, means you're required to carry workers' compensation insurance.
How is the price determined?
Mainly by your payroll, the job classification codes for your employees, and your claims history. Correct classification matters a lot, and we review it with you.
What is a payroll audit?
At the end of the policy term, the insurance company checks your actual payroll against the estimate used to price the policy. You may owe more or get money back. We help you prepare so there are no surprises.
Are business owners covered?
It depends on how your business is set up. In some cases owners and officers can choose to be included or excluded. We'll explain your options.