Are you an employer seeking the best rates for your workers’ comp? California workers compensation ratesdiffer for each business, due to a number of factors looked at by some insurers which can include for example, the number of years you have been in business and the type of duties your employees undertake.
While you are likely to be required to hold workers’ comp by law, you may be able to reduce the risk of accidents occurring in your business by making “safety first” a priority at work.
The everyday risks your employees may face will have much to do with the nature of your business, but many risks are common across most businesses. The risks faced by restaurant staff, which may include burns from hot kitchen equipment, are likely to be very different to those faced by employees in a packing warehouse, who may be subject to the risk of crush injuries from dropping heavy parcels. However, a back injury or repetitive strain injury could afflict someone in a kitchen or warehouse.
Neither is this exercise “once and done”. It should be part of a regular business risk assessment because the issues may change should your business be fortunate enough to expand. A home-based business that suddenly takes off may see you taking on more staff to handle packing and dispatch of products, or perhaps someone to help with administration. Even with regular risk assessment, each expansion may bring a whole new set of risks that can be easy to miss in the press of daily business, until the day something goes wrong.
To find out the level of California workers compensation rates that will apply to your business, speak to an agent today. We can arrange quotes on your behalf.