Protecting Your Employees and Your Business
As a business owner, ensuring the safety and well-being of your employees is a top priority. Accidents can happen on the job, and when they do, Workers’ Compensation Insurance provides crucial protection—for both your employees and your company.
At Koda Insurance Services, we help California businesses find the right workers’ compensation coverage to meet legal requirements and protect against the financial impact of workplace injuries.
What is Workers’ Compensation Insurance?
Workers’ Compensation Insurance is a legally required form of coverage that provides wage replacement and medical benefits to employees who are injured or become ill due to their job. In return, employees typically relinquish their right to sue the employer for negligence, which helps avoid costly lawsuits and ensures a faster, more predictable claims process.
This type of insurance is essential for both compliance and care. It helps create a safer, more supportive work environment and protects your business from major financial liabilities.
What Does Workers’ Comp Cover?
While workers’ compensation plans may vary by state, most policies include the following types of benefits:
Wage Replacement
If an employee is unable to work due to a job-related injury or illness, workers’ comp provides partial wage replacement—usually as weekly payments—similar to disability insurance.
Medical Expenses
Coverage includes medical treatment, hospital bills, rehabilitation, and other related expenses necessary for the employee to recover.
Disability Benefits
In cases of temporary or permanent disability, workers’ compensation provides compensation for the loss of income and long-term care needs.
Death Benefits
If an employee dies as a result of a work-related incident, the policy can offer financial support to their dependents, functioning similarly to life insurance.
What’s Not Covered?
Unlike general liability policies, workers’ comp does not include pain and suffering damages or punitive damages. Also, since negligence is not typically considered in claims, benefits are paid regardless of who was at fault—provided the injury occurred in the course of employment.
Is Workers’ Compensation Required in California?
Yes. In California, all employers are legally required to carry workers’ compensation insurance, even if you have only one employee. Failure to have proper coverage can result in fines, penalties, or even closure of your business.
Why Choose Koda Insurance Services?
Based in La Mesa, California, Koda Insurance Services specializes in helping local businesses navigate the complexities of insurance coverage. We work with trusted carriers to tailor affordable, compliant, and comprehensive workers’ compensation policies that protect both your workforce and your bottom line.
Our team understands the specific needs of California employers, and we’re here to guide you every step of the way—from choosing a policy to handling claims support.
Contact Us Today
Ensure your business is protected and compliant with Workers’ Compensation Insurance from Koda Insurance Services:
