11 May Workers Comp for California Law Firms
Workers Comp for California Law Firms
Law Firms in California are required by law to cover their employees with Workers Comp. There are many carriers available that offer Workers Comp, which makes it easier to obtain good pricing. This blog will go over some of the things you can do to assure proper coverage when you are shopping your California Law Firm’s Workers Comp.
Workers Comp for California Law Firms – Independent Contractors
Many Law Firms have attorneys that are hired on as independent contractors. While these attorneys may not be not be employees, they should still be covered by a Workers Comp policy. Luckily, the Workers Comp rate for attorneys is fairly low, which should make it easy and affordable to cover these independent contractors.
It is also important to remember that most carriers will require that the independent contractors are included in the Workers Comp payroll. If you purchase Workers Comp and exclude these independent contractors, you may incur additional premium charges when audited at the end of the policy term.
Workers Comp for California Law Firms – Class Codes
The class codes established for California Law Firms are a bit unique in that there is one class code for all employees. Attorneys, clerical, and outside sales employees should all be classified as 8820. This class code is determined by the Workers Comp Insurance Rating Bureau of California. When shopping for your Workers Comp policy, make sure you are including all the employee payroll under this class code, as you may incur additional premium charges at the end of your policy term.
Workers Comp for California Law Firms – Bundling Policies
One of the advantages of Workers Comp for California Law Firms is that you can often obtain your General Liability or a Business Owners Policy from the same carrier as your Workers Comp. This not only is convenient, but you can often times obtain a multi-policy discount on one or both policies. There are several carriers that offer these discounts and bundled policy, you just have to ask!
If you would like to learn more about obtaining Workers Comp for your California Law Firm, give us a call! You can reach us at 925-297-4829.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.
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