Workers Compensation
Protect Your Workforce & Your Business
Workplace injuries can happen at any time, and without the right coverage, your business could face serious financial consequences. Worker’s compensation insurance provides essential protection for both employees and employers, covering medical expenses, lost wages, and legal costs related to work-related injuries. At Golden Era Insurance, we help businesses in Fremont, CA, and beyond secure cost-effective, compliant worker’s comp coverage that fits their needs.
Our Services
Medical Expense Coverage
Covers hospital stays, physical therapy, and ongoing treatment for workplace injuries.
Lost Wages Protection
Helps employees maintain financial stability while recovering.
Employer Liability Coverage
Protects against legal claims related to workplace injuries.
Disability & Rehabilitation Benefits
Supports employees with temporary or permanent disabilities.
State Compliance Assurance
Ensures your business meets California worker’s comp laws, avoiding fines and legal issues.
Don't See What You Need?
Whether you need coverage for contractors, office workers, or fleet drivers, we provide customized worker’s comp solutions for every industry. Contact us today for a policy tailored to your business.
Worker’s Compensation 101 – Everything You Need to Know
1. Who Needs Worker’s Compensation Insurance?
In California, worker’s compensation is legally required for nearly all businesses, even if you have just one employee. Industries like construction, trucking, and manufacturing face higher risks, making this coverage even more critical.
2. Common Worker’s Comp Claims & How to Prevent Them
Understanding common workplace injuries helps businesses reduce claims and lower insurance costs:
- Slips, Trips & Falls: Prevent these with proper signage, anti-slip flooring, and regular safety training.
- Overexertion Injuries: Ensure employees use correct lifting techniques and provide ergonomic workstations.
- Repetitive Motion Injuries: Encourage stretching and breaks to prevent long-term strain injuries.
- Vehicle Accidents: Offer defensive driving courses for commercial drivers.
3. How Worker’s Compensation Insurance Saves You Money
Many businesses worry about the cost of worker’s comp insurance, but investing in the right policy can actually save money in the long run by:
- Avoiding Costly Lawsuits: Without coverage, workplace injury claims can result in six-figure legal settlements.
- Improving Employee Retention: Employees feel safer and more valued when covered by proper insurance.
- Qualifying for Discounts: Many insurers offer risk management discounts for safety-conscious businesses.
4. What Happens If You Don’t Have Worker’s Compensation Insurance?
Failing to carry worker’s comp in California can result in:
- Severe Fines & Penalties – Businesses may face fines of up to $100,000 and criminal charges.
- Personal Liability for Business Owners – Owners may be held personally responsible for medical costs and lost wages.
- Loss of Business Contracts – Many companies require proof of worker’s comp before signing contracts with vendors and subcontractors.