phone icon Get a Quote Find an Agent
Call Us 707-576-5120   |   Toll Free 1-866-477-4225 Get a Quote File a Claim
Logo
☰
  • Insurance
    • Vehicle
      • Personal Auto Insurance
      • RV & Boat Insurance
      • More Vehicle Insurance
    • Home
      • Home Insurance
      • Renters Insurance
      • Dwelling Fire Insurance
      • More Home Insurance
    • Business
      • Business Owners Insurance
      • Business Auto Insurance
      • Workers' Compensation Insurance
      • More Business Insurance
    • Additional Insurance
      • Life & AD&D Insurance
      • Pet Insurance
      • Payment Protection
      • More Options
  • About Us
    • Meet Our Agents
    • RCU Partnership
    • Blog
    • FAQs
  • Contact Us
  • Upload Documents
  • Insurance›
    auto Vehicle
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
    home Home
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
    business Business
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Comp Insurance
    • More Business Insurance
    umbrella Additional Insurance
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
  • About Us›
    Meet Our Agents RCU Partnership Blog FAQs
  • Contact Us
  • Upload Documents

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

RCU Insurance Services

 

Workers Compensation


Workers Compensation Information

Workers Compensation Insurance in Santa Rosa, California

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

rustic divider
  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.