Compare Top Workers Comp Providers to Guarantee The Best Rates

Take advantage of PEO’s Workers Comp Rates by comparing the top providers in California. We’ll do the heavy lifting in comparing policies; you just choose the one that’s right for you.

Compare Top Workers Comp Providers to Guarantee The Best Rates

Take advantage of PEO’s Workers Comp Rates by comparing the top providers in California. We’ll do the heavy lifting in comparing policies; you just choose the one that’s right for you.

Advantages of Pay as You Go Workers’ Comp Programs

Improve organizational cash flow by reducing the amount of deposits and fixed payments that are required for premiums

With pay-as-you-go workers’ compensation, you get to streamline cash flow by only paying for the real-time payroll wages and reporting instead of miscalculated estimates, which may result in end-of-year audits. With the programs that MartinoWest has available for your business, you can make premium payments each time you administer payroll.

Minimize Audit Queries

As the policyholder, your insurance company may undertake an annual review (audit) of your company’s work comp records in person or by asking for the relevant documents by mail. Pay-as-you-go programs are based on every dollar of payroll that’s run. There will be no overpaying, underpaying, or additional issues arising during an audit.

| Workers' Compensation Solution | MartinoWest July 2021

Key Features of Our Workers' Compensation Solution

Coverage that Fits your Specific Needs

Renew your Coverage at no Additional Cost

The Right Policy at the Best Price

Improved Cash Flow

Quick and Easy Claims Administration

Monthly Reports Detail Insurance Expenses

Payroll Benefits

HR Benefits

Safety Benefits

Benefits of Workers' Compensation to You

| Workers' Compensation Solution | MartinoWest July 2021

Workers' Compensation FAQs

Workers’ Compensation is a state-mandated insurance coverage that provides wage replacement and medical benefits to employees in the event of an injury or illness throughout employment. Workers’ compensation is intended to cover the injured or sick employee’s medical bills and wages while away from work.

Yes! As soon as you get your first employee, your state might legally require you to get workers’ comp. With limitations, employees are eligible for workers’ compensation regardless of who is at fault in an injury—the employee, employer, co-worker, or client. It doesn’t matter. You might need general liability insurance for non-employees who suffer injuries on your business’s premises.

You might also be required to provide other forms of health insurance coverage for your employees, for incidences outside workers’ comp.

As a general rule, workers’ comp pays benefits even with pre-existing conditions that were worsened due to an injury at work. Workers comp covers all expenses related to an injury, including:
• Medical treatment
• Wage replacement
• Vocational rehabilitation
• Death benefits

Employers have a legal responsibility for carrying a workers’ compensation insurance coverage. This excludes Texas, where coverage is left to the employer’s discretion.
Employees don’t bear the responsibility of paying for workers’ compensation. So, it’s not a co-pay type of benefit between the employer and the employee.

First, always inform your employees that they need to report to their respective supervisors as soon as someone has an injury. Job-related illnesses should be reported as soon as a diagnosis is made, when the cause can be traced back to the job.

The supervisor should take note of the date, time, and circumstances of the injury.

In the event of an injury, first ensure that the employee gets emergency medical attention as the circumstance demands. Your state may have requirements or information to give in your claim, but generally, you’ll need the following:

The company’s insurance policy information An account or policy number.
The injured employee’s information Name, age, address, phone number, Social Security number, etc.
Incident information Date, type of injury, body part injured, cause of injury, etc.

| Workers' Compensation Solution | MartinoWest July 2021

One Place for All Your Insurance Solutions

Find out more about what MartinoWest can offer you, your business, and your employees

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| Workers' Compensation Solution | MartinoWest July 2021

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| Workers' Compensation Solution | MartinoWest July 2021

What You Should Know About Pay-as-You-Go Workers’ Compensation

The Basics of Workers’ Comp Workers’ Compensation is a state-mandated insurance coverage that provides wage replacement and medical benefits to employees in the event of an injury or illness throughout employment. Workers’ compensation is intended to cover the injured or sick employee’s medical bills and

Read More »
| Workers' Compensation Solution | MartinoWest July 2021

P. 855.924.1597

F. 916.404.5913

LICENSE #0C84271

406 SUNRISE AVENUE SUITE 310
ROSEVILLE, CA 95661

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