Workers Compensation Insurance

Is Worker's Compensation Compulsory? ....Yes
Are Waivers Permitted? .... No
Numerical Exceptions? .... None

Quick response: Richter-Robb Pacific Insurance Services, Inc. can give quick quotes for worker's comp insurance and connect you to the right representation for businesses large and small.

Competitive Quotes: Because of Richter-Robb's experience and reputation in the industry, we can be very competitive in the worker's comp market. We service over 2,200 brokers and we are an authorize broker for many quality insurance institutions.

Insurance Requirements: Some form of workers compensation is required by law in every state. You cannot legally hire a work force without providing them with workers comp insurance.

Your Exposure to Claims: An employee is automatically entitled to receive certain benefits when he/she suffers an occupational disease or accidental injury during or due to employment. Such benefits may include:

• ACORD-130 PDF

• ACORD-130 Completion Sample

• ACORD Completion Sample

• OTHER FORMS

• Cash or wage-loss benefits
• Medical and career rehabilitation benefits
• In the case of accidental death, benefits to dependents

When an employee suffers a work related injury or illness, workers compensations insurance steps in to provide benefits based on the type of illness or injury sustained. Workers compensation is based on a no-fault system, which means that an injured employee does not need to prove that the injury or illness was someone else's fault in order to receive workers compensation benefits for an on-the-job injury or illness. As a California employer you are required under California Labor Code Section 3700 to provide workers compensation benefits for your employees.

A worker whose injury is covered by workers compensation loses the common-law right to sue his/her employer for that injury. However, injured workers may still sue third parties whose negligence contributed to the work injury. Many jurisdictions permit employers or insurers to sue negligent third parties on their employee`s behalf in order to recover funds paid as workers compensation benefits. Whether the employee or employer is at fault for the injury is usually inconsequential, as the sole goal of workers compensation is to return the injured employee quickly and economically to productivity.

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