New employees may not be aware of who is covered under a workers’ insurance policy. Sometimes, their employer may also benefit from a refresher course on this topic. The staff at QuoteBroker Insurance Services in Santa Clarita, CA, can share invaluable workers’ compensation insurance information that will be pertinent in the event of a work-related accident.

Are Family Members Eligible for Workers’ Comp Insurance?

If you operate a family-owned business, you can get workers’ comp insurance exemptions for family members who are employees. You will have to follow California law qualifications before the exemptions are approved.

To make them eligible for workers’ compensation insurance benefits. You must provide proof that your children and siblings are paid employees. Under California law, your spouse is considered a co-owner of the business and is exempt from workers’ comp insurance benefits. However, if your business ownership documentation states that your spouse is not a co-owner, they are eligible to become an employee and qualify for workers’ compensation insurance benefits.

Who is Exempt From Workers’ Comp Insurance in California?

In California, certain business job titles are exempt from receiving workers’ comp insurance. Some of the more common job titles include corporate officials, small business owners, independent contractors, and professional athletes. Thus, it is vital to understand how the state of California classifies your job title. The wrong interpretation of your job title could cause you to be ineligible for workers’ comp insurance benefits.

Employees and their employers should have a better understanding of how workers’ comp insurance can work to their advantage. The staff at QuoteBroker Insurance Services in Santa Clarita, CA, has the knowledge and experience to explain how workers’ compensation insurance benefits work in the event of a work-related accident. Call and schedule an appointment today.

Employers in Santa Clarita, CA, we want you to understand why you need to undergo an extra step with your workers’ compensation insurance in some industries. Construction professionals, for example, must obtain a Certificate of Workers’ Compensation Insurance to obtain and renew their licenses. Although you could purchase your workers’ comp coverage anywhere, know that only an insurance agency, such as QuoteBroker Insurance Services, that’s licensed to sell California workers comp policies can provide this to you.

Vetting Your Insurer

Whether you operate a plumbing company, a general contracting service, or some other construction trade, your insurance company must have a license to sell California workers comp policies. Before you purchase your insurance, ask for proof of the insurer’s license to sell workers comp policies in CA.

Buying Your Policy

Design your ideal worker’s compensation policy with your insurance agent. Pay for your policy. You immediately obtain a copy of your policy. Some licensing boards require this certificate rather than a copy of your policy. Check with your industry’s licensing board to learn the requirements for your license.

Call or Email Your Insurer

When you need to apply for or renew your license, contact your insurance agent to request your certificate of insurance. This certificate takes a specific format, and only those approved to offer the insurance policies can create a certificate. For example, general contractors in the state must provide this certificate to the Contractors State License Board to obtain their license. Your agent emails you a copy of the certificate and, typically, sends a hard copy through the postal mail.

Schedule a Policy Review Today

Call or email QuoteBroker Insurance Services today to schedule your worker’s comp policy review or obtain your certificate of insurance. Let us help you keep your Santa Clarita, CA, business in compliance.