In the state of California, if your company has even one employee, you are required by law to carry workers’ compensation insurance in case of accident or serious injury. A reputable OC insurance company will be able to assist you in choosing the right policy for your needs and budget, but there are also some things you can do to keep your premiums down after your policy goes into effect.
First, be sure your company has a solid safety program in place. The program should teach new employees the safety hazards in your company’s workplace and how to navigate them, and it should also provide ongoing training and refresher courses for long-term employees. You should also implement a return-to-work program in case an accident does occur. This program will help your injured employee get back to work, either at full capacity or on a modified basis as they recover, a move that will benefit both parties. Finally, you can join a professional employer organization (PEO). A PEO will evaluate the safety of your workplace, help you implement the return-to-work program and assist you in resolving claims, among other things. If you keep these tips in mind when you purchase OC insurance, you will be able to keep your policy premiums low, without forsaking quality.