More Frequently Asked Questions on Workers Comp for Retailers
Does my business require California workers compensation insurance? If an employer has even one employee they are required by California law to have workers compensation insurance. Roofers may need workers compensation coverage even if they have no employees. Out-of-state employers also have to carry compensation insurance if an employee is employed in California on a regular basis or a contract of employment takes place in California. Am I required to obtain California workers compensation insurance if just my spouse and I are the sole owners of our business and have no employees? Consultation with your insurance agent, attorney, or carrier regarding your individual situation is recommended but insurance for sole owners is usually optional. However, workers compensation insurance is mandatory for any employees in the state of California, even if you have even one employee whether full-time or temporary.
Are a company's directors or executive officers covered under California workers compensation policy? Consultation with your insurance agent, attorney, or carrier regarding your individual situation is recommended. All employees of the company must be included in the policy (including corporate officers and directors) unless they are the sole owners of the company. Sole owners have the option of electing not to be covered. What affects my California workers compensation premium cost? The annual premium is determined by many factors. These include your industry classification, history of work-related injuries (experience modification), payroll, or special underwriting adjustments such as use of a certified health care organization, and any special group or dividend programs for which you may be eligible.
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