What insurance does a new small business need in California?

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Congratulations! You’ve gone through all the phases and paperwork of starting your own small business. Now what?

Well in case you didn’t know, a specific form of insurance called workers compensation or workers comp, is legally required by California employers, even if they just have one employee. Business owners that do not have employees can opt out of coverage as well as executive officers and directors are required to be covered by workers compensation insurance, unless the business is fully owned by the directors and officers. 

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What does workers comp cover?

Workers comp provides coverage to employees who get injured or sick from a work-related cause. It also includes disability benefits, missed wage replacement and death benefits.

  • Medical expenses
  • Lost wages
  • Ongoing care costs
  • Funeral expenses

If an employee gets hurt or sick outside of work, these benefits do not apply. It will also not apply to employees who get into an accident intoxicated or who intentionally hurts themselves.

Let us help you get your small business covered today!

Call us directly 1-310-835-3373 or speak with a licensed agent at Uniamericainc.com to discuss which coverages best fit your lifestyle. 

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