Workers Compensation Insurance2019-01-28T14:05:11+00:00
  • Workers Compensation Injury

Workers Compensation and Where It Can Help

Workers Compensation Insurance | At SGB Insurance Services, Inc., we understand having a workplace that is safe and protected for you and your employees gives you extra security. As a California employer, you have an obligation to ensure a safe workplace and the law requires a business to have Workers Compensation Insurance. Work Comp insurance can provide the coverage to protect you from those unpredictable occurrences.

SGB Insurance can offer many different programs for different industries in California, in order to customize a package that fits your needs for your industry. We take a proactive approach to our clients’ Workers Compensation challenges. We will work to reduce your insurance costs, thereby saving you money this year and years to come.

Coverage and benefits can be obtained for the worker no matter who is at fault. For those workers injured in the workplace, medical expenses and income replacement may be necessary. Our network of companies and experienced agents can analyze your California workers comp insurance needs. By contacting us today, we can assist and guide you through these complicated steps.

Or You Could Just Give Us A Call
(951) 363-2886
During Office Hours: 9:am – 5:pm M-F | 9:am – 1:pm Saturday

How does this benefit the California business owner?

Servicing Your Workmans Compensation Insurance Needs in Riverside County, California

Having the proper California workers compensation coverage can protect your employees and your business from loss and financial damage. At Gatewood Insurance Agency Inc., we can service your work comp insurance needs in San Jose California including the Fremont, Gilroy, Morgan Hill, Santa Clara, and Sunnyvale areas.

How Does Workers’ Comp Insurance Work?

When employees suffer a work-related injury or illness, The Hartford Workers’ Compensation  Insurance protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.
We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can’t return to work, the coverage can provide a long-term benefit.
The advantages of workman’s comp insurance from The Hartford include:
  • Preferred Medical Provider Network: Employees can tap into our nationwide network of more than one million providers experienced in treating workplace injuries.
  • Prescription Drug Features: More than 65,000 participating pharmacies throughout the US are available to fill prescriptions, usually with no out-of-pocket expense to the injured worker. The convenience of mail order service is just a phone call or click away.
  • Nursed Back to Health: The Hartford provides highly experienced nurse case managers to help coordinate care and treatment along with physical, emotional and occupational therapies.
  • Pay-as-You-Go Billing Solutions: Our pay-as-you-go workers’ compensation insurance billing solution bases premium payments on actual payroll, which can help you manage cash flow and reduce audit surprises.

How Much is Workmans’ Comp Insurance?

In most states, the cost of Workmans’ Comp insurance can vary between insurance companies as they compete for customers. Despite the variability, all insurance companies base Workers’ Compensation premiums on the amount of payroll an employer has as well as how dangerous the work is. Some larger employers will be impacted by their past claims experience with premium credits for low claim experience and increased premiums for those with more historical claims.

But what if You have No Employees

There’s a good chance your business is a start-up one person operation. In that case, you will want to consider Professional Liability Insurance.

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