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For over 90 years, we have been protecting our customers from the unexpected. Whether it is business or personal, you can feel protected with us for your business insurance and personal insurance needs. Not only do we help protect businesses, families and individuals with their insurance needs, we help our community. Giving back to the community that supports us is a something we value very highly!

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What You Should Know About California Workers Compensation

If you run a business that has employees in the state of California, you are required to have workers compensation insurance. Not only does this help make sure that your employees are protected in the event of an injury, but it also protects your business from issues like lawsuits that may result as of a lack of coverage moving forward. There are five key points in particular that business owners should understand in order to successfully manage workers compensation in California.

1. Acquire Workers' Compensation Insurance Coverage

In the state of California, you will likely have to pay not only an employee's medical costs but also penalties and more if you do not have the appropriate level of coverage for your business.

2. Post All Legally Required Forms, Posters and Notices

Under California state law, all employees must be given a workers compensation packet and all other important items like the workers compensation poster must be posted in an easily visible location.

3. Learn How Workers' Compensation in California Works

One of the keys to helping this process go as smoothly as possible involves making sure that you understand exactly what is required of you. These obligations can include things like:
  • You may pick a treating physician for at least the first month following an injury in the workplace.
  • You are required to report a serious injury (defined as one requiring more than 24 hours of hospitalization)  or death within eight hours.
  • You are required to provide California workers compensation claim forms within one day of receiving notice that an employee has been injured.

4. Keep in Touch with Your Employee

One of the most important steps to take after an incident has taken place involves always staying in touch with your employee. If your employee feels like they're a valued part of your workforce and they understand the California workers compensation process, they are more likely to keep their medical appointments, follow instructions given by their doctor and ultimately cooperate with your claims adjuster.

5. Always Review the Doctor's First Report and Start Your Own Investigation

After an injury or other type of incident has taken place, it is always necessary to both review the doctor's first report and to start your own investigation to make sure a similar type of event doesn't happen again. You will receive the doctor's first report no more than five days after the incident has taken place. You should always interview coworkers, witnesses and other parties involved to be as proactive as possible. Under the Injury and Illness Prevention Program, you are required to use Log 300 records to satisfy your obligations under California state law.

Pacific Unified Insurance Providing Insurance Services to Los Angeles and Orange Counties

At Pacific Unified Insurance, we've got decades of experience in helping companies just like yours make sure they're protected by policies that are most appropriate for the uniqueness of your very special business. If you'd like to learn more about your workers compensation obligations, or if you'd like to get started selecting the right policy to fulfill your requirements and meet your needs, please give us a call - contact Pacific Unified Insurance today.

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Featured Team Member

Featured Team Member

David Leahy


Born and raised in Southern California, Dave was educated at Loyola High School and Arizona State University. After graduation, he founded two successful restaurants in Arizona, eventually selling them to move back to California. He began his insurance career working for…

Read More About Dave Here


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