Workers' Compensation Insurance

Receive workers' compensation insurance for your employees when you contact Anderson Commercial Insurance Services, California. Workers' compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment. It is mandatory in all states except Texas.


Workers' Compensation & Employers’ Liability

Workers' compensation insurance pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. State laws, which vary significantly, govern the amount of benefits paid and other compensation provisions. Employers’ liability found under Part B of the workers' compensation policy provides coverage for lawsuits filed by injured employees who, under certain circumstances, can sue under common law.

Papers - Workers Compensation Insurance

Medical Provider Network (MPN)

California Senate Bill 899 allows every employer to require employees to use a medical provider network for work-related injuries. The MPN refers to the network of physicians and medical providers that are authorized to treat an injured worker. By requiring employees to use a medical provider in-network, the employer has greater control over treatment of the injured worker and can select honest, ethical physicians. The majority of workers' compensation carriers in California have their own medical provider networks already established, and require or strongly recommend their implementation.

 

Workers' Compensation Insurance Rating Bureau of California (WCIRB)

The WCIRB is a California nonprofit association comprised of all insurance companies licensed to transact workers' compensation insurance in the state of California. Some of the functions the WCIRB performs include: collection of premium and loss data on every policy written in California, examination of policy documents, inspection of insured businesses, and test audits of insurer payroll audits and claims classification.

This data is used by the WCIRB to propose guideline rates, which are used by the various insurance companies that write business in California to determine the rates they ultimately charge their insureds. The WCIRB is also solely responsible for the calculation of X-Mods of California businesses. The rules for classifying employees and collecting premium are determined by the California Workers Compensation Uniform Statistical Reporting Plan, which the WCIRB publishes.