What are the legal requirements for workers' compensation insurance in the construction industry?

In California, construction industry workers’ compensation insurance is legally required for all employers with at least one employee. It provides financial protection to employees who become ill or injured at work. When an employee submits a workers’ compensation claim, the insurance covers the employee’s medical bills, lost wages, and other associated costs. In California, employers must have a workers’ compensation insurance policy in place that meets the statutory limits for their specific industry. To obtain the required insurance, employers must contact the California Department of Insurance or a licensed insurance provider. The insurance provider will then determine the amount needed to cover all risks encountered. In California, employers must display a workers’ compensation notice in the workplace. It is important to keep the notice readily visible so all employees are aware of their legal rights when it comes to filing workers’ compensation claims. Additionally, employers must keep a copy of their workers’ compensation insurance policy on file, which should be readily available to employees in the event of an illness or injury. Construction industry employers must also report any workplace injuries they become aware of to the California workers’ compensation authorities. The employer must also provide the injured employee with a claim form so they can make a claim. Once the employee has filled out the form, the employer will then forward it to the workers’ compensation authorities for processing.

What are the legal requirements for workers' compensation insurance in the construction industry?

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