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Workers’ Compensation Insurance in Petaluma and the North Bay

At Don Ramatici Insurance, we understand the nuances of workers’ compensation insurance. As a trusted advisor for businesses in the Petaluma and the North Bay area, we offer personalized workers’ compensation insurance solutions. 

What Does Workers’ Compensation Cover? 

Workers’ compensation insurance—often called workers comp—may help cover medical expenses and lost wages for employees who suffer work-related injuries or illnesses. 

Key coverages of a workers’ compensation policy typically include: 

  • Medical expenses are the costs associated with treating work-related injuries or illnesses. 
  • Disability benefits are financial assistance during an employee’s recovery period. 
  • Death benefits help support the family of an employee who passes away due to a work-related incident. 

How Does Workers’ Compensation Work? 

Workers’ compensation insurance may help mitigate financial repercussions when an employee gets injured on the job. The process generally involves: 

  • The employee files a claim.  
  • The insurer conducts an investigation. 
  • Benefits are provided if the claim is accepted.  

Workers’ comp insurance for small businesses must often be customized to meet unique industry demands. Contact Don Ramatici Insurance today to get workers’ compensation coverage tailored to meet your organization’s needs. 

Who Is Required to Carry Workers’ Compensation Insurance in California? 

In California, nearly all employers are required to have workers’ compensation insurance, including:  

  • Businesses with one or more employees, including full-time, part-time or temporary workers 
  • Various sectors and industries, regardless of the nature of the business 
  • Companies in the construction industry with one or more employees 

Contact Us 

Contact Don Ramatici Insurance today for a tailored quote and to learn how we can support your business with the right workers’ comp insurance solution. 

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