Workers’ Compensation

Your Business and Employees work better with security.

filling up a work injury claim formShannon Langhorne Insurance Services works with all types of businesses ensuring the safety and security of their employees.We have solutions for your personal and business insurance needs. We answer the call. We know that a protected workplace is a productive workplace. As an employer you have an obligation to ensure that your work environment is as safe as possible – the law requires workers compensation insurance. The work environment can be unpredictable and workers’ compensation insurance provides the necessary coverage to protect you from lawsuits.

Workers obtain coverage and benefits no matter the party at fault. Workers who are injured in accidents may receive all medical treatments deemed necessary and income replacement. Our research ability and extensive network will help you find the policy that meets your needs. Contact us today about your business needs and we will guide you through the necessary steps. We are here to answer any questions you may have and help discover the right Workers’ Compensation Insurance for you.

Questions you may have:

  1. Am I required to carry workers compensation insurance in Los Angeles?
  2. Where can I get California workers compensation insurance? Contact us to find out!
  3. Are executive officers/directors of the company covered under workers compensation insurance?
  4. How expensive is workers compensation insurance in Los Angeles?
  5. What happens if an employee is injured and I do not have workers compensation insurance?

California law requires all employers who have at least one employee to have workers’ compensation insurance. Employers who are out of state may need to have workers’ compensation insurance if one of their employees is employed in California or if a contract of employment is entered in California. Roofers who have no employees are still required to carry workers’ compensation insurance.

An agent or broker from a privately licensed insurer authorized to write policies in California can sell workers’ compensation insurance coverage. If no insurers are willing to cover a business, the State Compensation Insurance Fund is required to provide coverage. Workers Comp Insurance Quote Trade groups may offer special rates for trade association members.

All employees of any kind must be covered unless they are the sole owners of the business. Owners should consult with their attorneys or insurance agents or carriers to discuss the specifics mentioned in the California Labor Code.

The Workers’ Compensation Insurance Rating Bureau suggests insurance rates, but they are not regulated by the state. Insurance companies set their own varying rates.

Los Angeles employers required to have workers’ compensation coverage who fail to do so are committing a misdemeanor punishable by a fine of up to $10,000 and/or imprisonment in the county jail for up to one year. The state also issues penalties of up to $100,000 against illegally uninsured employers. Uninsured employers are responsible for paying all bills related to the employee’s injury or illness. Because uninsured employers are not protected by the return of workers’ compensation insurance, the injured employee may also file a civil action against them.