- 851 N San Mateo Drive Suite E, San Mateo CA 94401
- jpanos@twfg.com
JMP Insurance Services LLC - Insurance For Tomorrow
JMP Insurance Services LLC -
Insurance For Tomorrow
Insurance For Tomorrow
Workers’ Compensation
Workers’ Compensation
- Solid Ground
Protect Your Employees and Your Business
Workers’ compensation insurance is mandatory for most California employers and provides essential protection for both your employees and your business. When workplace injuries occur, this coverage ensures your employees receive necessary medical care and wage replacement while protecting your company from costly lawsuits.
What It Covers:
- Medical expenses for work-related injuries and illnesses
- Lost wage replacement for injured employees (typically 66⅔% of average weekly wages)
- Disability benefits for temporary or permanent disabilities
- Vocational rehabilitation services to help employees return to work
- Death benefits for employees' families
- Legal defense costs for disputed claims
- Return-to-work programs and accommodations
Why California Businesses Need It
California has some of the nation's strictest workers' compensation requirements. Even businesses with just one employee typically need coverage. Failing to carry required workers' compensation insurance can result in hefty fines up to $100,000, criminal charges, and personal liability for all workplace injury costs. The California Department of Industrial Relations actively enforces these requirements through regular audits and investigations.
Industries We Serve
From construction and manufacturing to retail and professional services, we provide workers' compensation solutions tailored to your industry's unique risks and California's regulatory requirements. High-risk industries like construction may pay 10-20% of payroll, while office environments typically see rates of 0.5-2%.
Additional Benefits:
- Experience modification factors to reward safety programs
- Dividend programs for claims-free years
- Safety consultation and loss control services
- Return-to-work assistance programs
- 24/7 claim reporting and management
- Compliance assistance with Cal/OSHA requirements
Common Workplace Injuries in California
- Repetitive strain injuries from office work
- Slip and fall accidents
- Back injuries from lifting
- Construction-related accidents
- Vehicle accidents during work duties
- Heat-related illnesses (especially relevant in California's climate)
Cost-Saving Strategies:
- Implementing comprehensive safety programs
- Prompt injury reporting and medical care
- Modified duty programs to keep injured workers productive
- Regular safety training and equipment maintenance
- Working with experienced insurance partners to optimize coverage
Frequently Asked Questions:
Do I need workers' comp if I only have part-time employees?
Yes, California requires coverage for all employees, regardless of hours worked, with very limited exceptions.
What happens if I don't have workers' compensation insurance?
You face stop work orders, fines up to $100,000, criminal prosecution, and unlimited personal liability for all workplace injuries.
Can employees sue me if I have workers' compensation?
Generally no. Workers’ compensation provides immunity from most employee lawsuits in exchange for guaranteed benefits, though exceptions exist for serious and willful misconduct.
