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New to Workers Comp

Lets get off to the right start and help you grow.

Just because you are new to workers comp doesn't mean you have limited options.

We will help you with:

Navigating through the Workers Compensation system can seem overwhelming. It doesn't have to be. It is important to get set up on the right program the right way. That is what we are here for. We have been helping businesses just like yours for over 25 years.

Once you get started we can adjust and tailor your program to optimize the benefits available to you. Everyone has to start somewhere so let's get going.

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ACCURATE WC CLASSIFICATION ASSIGNMENTS

It is critical that you get your employees properly and accurately classified for the Workers Compensation system to apply the correct rates. There are many similar job duties that could cause higher rates. We can work with you to determine the correct class and negotiate the lowest rate for that class. Not all agents will do this correctly. If there is any question regarding a classification we consult directly with the Workers Compensation Insurance Rating Board (WCIRB). They are the authority and final say on Workers Compensation issues in California. We successfully use this resource to your advantage.

Standard Classification System

The primary purpose of the classification system is to facilitate the accurate collection of data so that the cost of workers' compensation insurance can be distributed as equitably as possible. To do that, the classification system is designed to divide payroll and loss data into groups in order to match the premium that you pay to the average potential risk of injury.

For insurer data reporting purposes, California businesses are classified using the Standard Classification System found in Part 3 of the California Workers' Compensation Uniform Statistical Reporting Plan - 1995 (Uniform Statistical Reporting Plan). The Uniform Statistical Reporting Plan is part of the California Code of Regulations and is approved by the Insurance Commissioner. The Standard Classification System, which contains approximately 500 industry classifications, describes groups of employers whose businesses are relatively similar. Each classification reflects the type of operations common to that group of employers. An insurer may deviate from the Standard Classification System for underwriting purposes; however, for data reporting purposes, all insurers must use the standard classification system found in the Uniform Statistical Reporting Plan. A pure premium rate, expressed as a rate per $100 in payroll, is calculated by the WCIRB for each classification. The pure premium rate is based upon loss and payroll data submitted to the WCIRB by all insurance companies, and it reflects the amount of losses and loss adjustment expenses an insurer can expect to pay in benefits due to workplace injuries.

Classification Examples

Classification 

Phraseology

Pure Premium Rates*
(Jan. 2014)

2116

Fruit Juice or Concentrate Mfg.

$6.52

2117

Fruit or Vegetable Processing  - frozen

$11.03

2121

Breweries or Malt Houses - including bottling or canning

$6.59

* Pure premium rates are amended at least annually. For the current pure premium rate, visit the Publications and Filings section of the WCIRB website.

For most industries, classifications are assigned by analyzing an employer's overall California operations and identifying one classification that describes the business as a whole. This approach is based on the premise that, in general, employers within a specific industry operates in a similar manner and engages in comparable processes. The resulting pure premium rate for the classification reflects the average anticipated cost of benefits, per every $100 of payroll, incurred by businesses within the particular industry. This approach is relatively easy for employers to administer in that most employer's only one classification. Consequently, this system promotes the gathering of accurate payroll and loss data and enables the WCIRB and insurers to develop rates specific to a particular industry. Some industries have their own special classification procedures.


THE APPLICATION PROCESS

It is important that we collect accurate information from you to submit to our companies. We can use one single application to submit to several carriers including the State Fund. Each company does have its own set of standards and underwriting guidelines. We understand what the underwriters are looking for and will present your account to them so it is accurate and acceptable.

Once the company has received your application we communicate with them right away to review the details of their position. We may be able to adjust your submission as needed to fit their programs. Generally, the underwriters will take a few days to respond with an indication or quote.

We always like to receive quotes from several carriers to make sure you are getting the best rate and term. We will cover these proposals with you in detail so you can make an informed decision.

Once we have selected a carrier they will be a deposit premium to collect and you can select the payment terms from annual to monthly.

To put your coverage in force we will collect the deposit and a few signatures.

You can complete the application here or contact us and we can complete it for you.

Application Form

Low Deposits & Pay-as-You-Go Programs

You may qualify for alternative Workers Compensation programs. Many businesses do. We can also combine your Workers Compensation Insurance with your Payroll services giving you the freedom to grow your business. These programs are reffered to as "PEO" programs or Professional Employer Organizations.

In many cases they may be your best solution. Contact us to find out more.

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Safety Program & Compliance

Once you hire employees, you must have documentation in place. This is directly from the California Department of Industrial Relations:

"Every California employer must establish, implement and maintain a written Injury and Illness Prevention (IIP) Program and a copy must be maintained at each workplace or at a central worksite if the employer has non-fixed worksites. The requirements for establishing, implementing and maintaining an effective written injury and illness prevention program are contained in Title 8 of the California Code of Regulations, Section 3203 (T8 CCR 3203) and consist of the following eight elements:"

  • Responsibility
  • Compliance
  • Communication
  • Hazard Assessment
  • Accident/Exposure Investigation
  • Hazard Correction
  • Training and Instruction
  • Recordkeeping

The following are some key elements that every formal safety program should have:

  • Management Commitment: Management should create a culture that discourages unsafe conditions and behaviors. Management’s commitment is the first step to successful injury prevention.
  • Responsibility and Accountability: Responsibilities and expectations must be developed for top management, supervisory, and hourly employees. All employees must be held accountable for meeting the expectations of your safety program.
  • Safety Work Rules and Procedures: Safety rules and procedures should be developed and communicated to supervisors and employees so they will know their responsibilities. Rules must be enforced, and management and supervisors must be accountable for this enforcement. Employees should be held accountable for these rules.
  • New Employee Orientation: A new employee orientation program must be developed to provide new-hires with information about the work environment and their job safety responsibilities. This is the first training that a new employee will receive that demonstrates management’s commitment to injury prevention.
  • Employee Involvement: Employees should be involved in establishing safety rules and procedures. It is vital to program success that employees participate on the company’s safety committee.
  • Training and Safety Committees: Training is key for building and maintaining employee knowledge and awareness of injury prevention efforts. The employer must inform and train employees in a language they understand. Safety committees allow employees to be actively involved in this.
  • Accident Investigation: An accident investigation procedure should be developed to determine the cause of an accident. Emphasis should be placed on identifying and eliminating root causes to prevent future occurrences.
  • Documentation: All training activities and inspection reports must be documented. Records must be maintained in accordance with OSHA guidelines.

Do you need help putting together an OSHA compliant safety program? We can help. Contact us or you can use the attached sample.

Workers Comp Safety Program