Tag Archives: workers compensation

Startups: Does My Business Have To Register For Workers Compensation?

startups                                                                                                                                        Starting a new business can be a daunting process. In many cases, new business owners must not only deal with the task of getting the organization off the ground, but also establishing proper insurance requirements. But what exactly are the insurance needs for a start-up company—for example, is workman’s compensation a must? Those who are establishing a new organization should familiarize themselves with the basics of workman’s compensation, when it is needed, and how it can be beneficial.

What is Workman’s Compensation? 

As suggested by the name, workman’s compensation is a type of insurance policy that pays the wages for men and women who are injured while performing the tasks required by their job. In addition to covering weekly wages, workman’s compensation may also cover medical bills and other similar expenses that occur as a result of an injury on the job. Finally, general damages for pain, suffering, and employer negligence may also be included in a workman’s compensation package. Depending on the severity of the injury and the specific insurance plan, these payouts may vary quite a bit.

Who Needs Workman’s Compensation?

Obviously, workman’s compensation packages are a must for large corporations who employ hundreds, or even thousands, of workers. But what about a relatively small start-up company that is just getting its feet off the ground? According to Entrepreneur, nearly any company that has at least one employee is required by US regulation to provide workman’s compensation insurance. Of course, there are always exceptions—for example, businesses in Texas and New Jersey are not, at least in theory, required to have a compensation policy. In addition, start-ups that are owned by sole proprietors or are filed as partnerships may not need to possess a workman’s compensation insurance plan.

Benefits of Workman’s Compensation

Though there is a small group of start-ups that are not required by law to have workman’s compensation, there is no question that they can still benefit from the insurance plan. In fact, there are a number of perks associated with having a workman’s compensation policy—including the protection that it offers in the event that an accident does occur. Similarly, employers that possess workman’s compensation plans are often more attractive to potential workers, as they may be used as part of the benefit package. It may also be useful as a basic insurance plan for sole proprietors who cannot afford medical insurance for themselves.

Establishing Workman’s Compensation

In most cases, start-up business owners who are interested in purchasing a workman’s compensation insurance plan can do so by consulting with any professional insurance agent. Some states, however, do require employers to work with specified state-run grants when applying for workman’s compensation insurance. Those who are unfamiliar with these types of insurance plans should be sure to speak with an expert in the field of workers compensation. In most cases, these professionals can provide assistance when it comes to choosing the best plan for the company.

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About the Author:
Andrew Miller is a passionate member of the End Ecocide movement, an avid legal blogger and Environmental Law Student. He has worked in marketing for over a decade and finds his passion in bringing concepts to life. As a Socialpreneur, he is an agent for positive social change through both his writing and business endeavors.



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An Overview of New 2013 Laws Affecting California Employers

An Overview of New 2013 Laws Affecting California Employers 

An Overview of New 2013 Laws Affecting California Employers

New employment laws could affect your California business‘ day-to-day operations and company policies in 2013. Download CalChamber’s white paper “An Overview of New 2013 Laws Affecting California Employers” for an overview of the changes in the law and how each of these California laws could affect your business.

New Laws for 2013:

  • Religion and Reasonable Accommodation
  • Sex Discrimination and Breastfeeding
  • Social Media and Personal Passwords
  • Inspection of Personnel Records
  • Itemized Wage Statements/Temporary Service Employers
  • Penalties for Wage Statement Violations
  • Commission Agreements
  • Fixed Salaries and Overtime
  • Wage Garnishment
  • Human Trafficking Posting
  • Workers’ Compensation Reform
  • Accessibility Reform
  • FEHC Eliminated, Duties Transferred to the DFEH
  • Intellectual Disabilities
  • Unemployment Insurance: Overpayment and Penalties
  • Prevailing Wage
  • Farm Labor Contractors
  • Warehouse Workers


About CalChamber

CalChamber is the largest, broad-based business advocate, working at the state and federal levels to influence government actions affecting all California business. As a not-for-profit, we leverage our front-line knowledge of laws and regulations to provide affordable, easy-to-use compliance products and services.

Free White Paper






































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Worker Retraining: How it Might Impact You After an Injury

Worker retraining programs are vital for a healthy workforce, helping workers maintain the skills they still need while learning new ones to replace the old methods that no longer have a place in the new economy‘s growth industries.

In this difficult economy, it should be no surprise that some skills should fall into obsolescence while others gain new relevance. In other cases, job training is necessary after a serious on-the-job injury.

How do you Know if you Qualify

To qualify for worker retraining due to an injury, you need to be able to causally prove with medical evidence that your injury was related to your work. If a doctor assesses you as having a disability due to a work injury, you will receive workers’ compensation benefits and potentially a workers’ compensation settlement that may include retraining benefits.

Workers need to be careful that they follow all rules and obligations regarding worker retraining eligibility. They also have to be diligent in their job search efforts. Your employer’s workers’ compensation would likely love to stop paying you due to not complying with the rules. Worker retraining may also be known as vocational rehabilitation.

As part of the assessment process, an injured worker may meet with a vocational counselor to undergo testing on their condition and what occupations they may be able to physically to do, they may be well-suited to, or that interest them.

Back to School?

As an injured worker, you may have a choice of retraining programs. As a worker who needs to maintain and update skills in a changing job environment, it is important to understand the retraining programs at the community colleges, adult learning facilities and employment centers in your area to ensure you don’t miss a potentially great opportunity to learn new skills.

Coping With an Injury

Injured workers may have rights to other benefits. They may want to apply for SSDI benefits, they may want to inquire with local disability services for those that need help, research other means of assistance online, and they should also check with their employer at the time of the injury to see if any programs are offered to help them get a job.

Consulting with a workers’ compensation attorney can also be very prudent in assessing an injured workers’ rights under the law and seeking any unpaid compensation or benefits cut prematurely.

Lastly, don’t think of worker retraining as a setback, think of it as a new opportunity. There may be continuing education classes not full degree programs. These programs require a smaller time commitment for a potentially rewarding career.

The team at provided this article. At their site, you can learn more about the rights of injured workers and workers’ compensation settlements.


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