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Due to the status of COVID-19, we will be conducting business from home effective 3/23/20 until further notice. You may experience delayed response time, but we are working diligently to service clients in a timely manner. Please continue to call us at 209-524-6366 with any questions or concerns. For Nationwide claims please call: 1-877-669-6877. For more information regarding COVID-19, visit this page. Thank you for your patience during this time!

Worker’s Compensation

No matter what type of business you run, you have a legal obligation to keep your staff safe while at work. This responsibility can be fulfilled with workers compensation insurance. Nevada, Arizona, and California workers compensation coverage pays for medical care and physical rehabilitation for injured employees while also helping to replace lost wages. It can also provide benefits for the dependents of employees who lose their life due to work-related accidents or illnesses.

Each state has specific requirements for businesses owners in regard to workers compensation. Nevada, Arizona, and California workers compensation laws mandates that employers must either obtain CA workers comp, self-insurance workers compensation, or be legally exempt for the requirement to provide workers compensation coverage. Even if you’€™re company is exempt, that does not mean that you are relieved of potential liabilities should an employee become injured. Our agents understand that without the appropriate California workers compensation insurance plan, you can risk setting your company up for financial loss or even criminal charges. You need to understand your rights and those of your employees if they are injured or become ill while working for you.

Even if you purchase a business insurance package, worker’s compensation must be purchased as a separate policy. Workers comp coverage can provide your company and your employees with the following:

  • Medical expenses
  • Lost income/wages
  • Rehabilitation costs
  • Death benefits

Workers compensation coverage can save you and your business from costly lawsuits and employee issues. California workers compensation insurance protects your business and employees. TSM Insurance can provide you with a coverage program that will benefit your company’€™s most prominent needs.

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