In the state of California, workers’ compensation insurance is not only required, it is a misdemeanor not to carry it and failure to do so can result in not only penalties but in jail time as well. There are few exceptions to this law. In fact, the only time an employer does not need to carry workers’ compensation is when an employee is an owner of the company (15% or more) or an independent contractor.
As with all things in HR, the world of workers’ compensation and safety regulations is ever-changing. We make sure that you are in compliance whether it is establishing a policy, claims management, OSHA regulations, customized injury and illness prevention programs, safety meetings and trainings, and everything in between.
Having a workers’ compensation policy is not enough. You have to also manage your safety and develop a risk management plan that can include but is not limited to ergonomics, safety meetings, Injury and Illness Prevention Plans, safety programs and trainings, OSHA compliance, and personal protective equipment. The goal is to provide the safest workplace possible for your employees, encourage them to maintain safe work practices and make it a priority to keep themselves and their co-workers safe, and make your employees feel comfortable reporting injuries when they do happen. All of these measures contribute to a safer work environment which helps keep the cost of your workers’ compensation insurance as low as possible.
What We Offer
At O2, we specialize in managing all aspects of your workers’ compensation insurance. We are experts in all areas of the processes involved and we take it all off your plate so you can focus on your business.
We Are Updated With All Regulation Changes
As will all HR related matters in the state of California, the world of workers’ compensation is constantly changing. These changes can range from increases to base rates that affect all businesses to new safety requirements and regulations.
We Provide Audits
Whether you need regular walk-throughs with a safety specialist or receive a visit from OSHA, we will be there for you, making sure you are providing a safe workplace where your employees can work productively and you have one less thing to worry about.
We Manage All The Paperwork
Workers’ compensation comes with a lot of paperwork. Whether it is policy renewals, claims related, audits or proof of insurance, we handle it all for you. The process of properly managing a workers’ compensation policy can be complex and confusing but it is critical that it is done correctly. Your claims need to be quickly and accurately managed. Your annual audits need to be reviewed for accuracy so you aren’t paying more than necessary.
We’re With You When A Claim Happens
Managing workers’ compensation claims are not for the faint of heart. If not managed correctly, claims can easily result in an increase in your premiums or even a cancellation of your policy. Our safety experts will handle your claim from beginning to end, meeting with your employee, following up with doctors and handling all contact with the insurance company.
Leave All The Details To Us
The world of workers’ compensation can be one of the most detailed and critical to your business. Few employers understand all the ins and outs as well as how to properly manage their policies. O2 takes on all of the paperwork, the details, the policies and procedures related to your comp policy. We allow you to offload this important task so you can focus on growing your business and provide the safest work environment possible for your team.