Workers Comp Insurance

Protect Your Business & Employees

Did you know that workers compensation is required by law in many states? Any employer that lacks this vital coverage faces the consequence of state fines, penalties, and unexpected financial obligations.

Workers Compensation insurance comforts both employers and employees alike. Workers compensation commonly known as “workers’ comp” or “workman’s comp” is a policy that covers diseases and injuries incurred while at the workplace.

Obtaining this type of coverage will create a safer and more productive workplace along with more confident and secure employees.

Accidents Happen

While every business aims to provide a safe workplace for its employees, incidents and accidents often occur.

NHC Insurance Services can help provide your business with a workers compensation insurance policy tailored to your business’s needs.

Anything from strains, trips, fall, cuts, amputations, carpal tunnel or even accidental death, NHC will make sure you and your business are covered.

Although [Sunshine] knew about the huge problem regarding our Business Owners Insurance, she stepped right in and sorted things out. Not only did she correct the problem with the current policy period but she also rectified a problem on the prior year’s audit. And in addition was able to stop the cancellation process that was already in motion and to become effective at 12:01am that evening.

She has been a terrific help and never once was even the slightest bit annoyed about any of it. Because of her, I will recommend anyone I know looking for Business Insurance to contact NHC Insurance. You have a real find, and should be proud of her.

Abbie H.

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Workers compensation generally provides an employer with 5 basic benefits:

Medical Care: including hospital care, doctor visits, physical therapy, prescriptions, and other medical treatments
Disability: partial replacement of income loss due to on the job injury
Loss of wages: reimbursement of wages do to missed work because of occupational injury
Vocational Rehabilitation: Allows workers who are unable to return to prior occupation to learn a new skill based on their current capabilities
Death Benefits: benefits are awarded to the spouse and minor children of a worker killed on the job

What is the cost of a workers compensation policy?

Every policy is different and has several different determinants such as:

Payroll
History of claims
Work type
Industry

Companies both big and small have their own set of needs therefore the prices will vary.

California Assembly Bill 5 (CA AB 5)

Effective July 1, 2020 as an employer you are subjected to a new test. To clarify who is or is not an employee under your policy. Use this 3 part test titled the ABC test. This will help to determine whether a worker is an independent contractor or an employee. The test assumes a worker is an employee unless the company can prove all of the following:

A. The worker is free to perform services without the control or direction of the company.

Jessica M. Ortega has been a beneficial and professional relief in my overwhelming personal endeavors while starting my business. As we all know there are many factors and legal statutes that govern contractors in California. While searching for the best carrier for my communications business, I randomly found Safeco and Jessica.

Jessica has answered all my questions, concerns and requests with professional and quick results. She will handle any and all my business and personal insurance needs. Jessica is well appreciated and respected by all of those in my industry.

Jason M.

We really appreciate the fast and friendly service provided to us by Jessica. We were recently running out of time to keep our insurance policies from lapsing and she was able to assist us within a day of our submitting the necessary paperwork.

Additionally, she had the initiative to solicit us for a quote on a policy that we had with another carrier, which we had not planned on switching, and the result was that we saved $700 on that policy written by NHC. Jessica did a great job for us and we are enthusiastically appreciative of her efforts and service. Thanks for a job well done!

Len M.

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310-221-0917

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