Navigating Workers Compensation for California Fire Relief Efforts

Ensure compliance with workers compensation insurance and avoid penalties by updating your policy for California operations.

Navigating Workers Compensation for Fire Relief and Rebuilding Efforts in California

If your business is shifting its operations to support fire relief and rebuilding efforts in California, it's critical to understand the potential impacts on your workers compensation policy and how to address them.

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IMPORTANT: Working in California without updating your policy can result in regulatory fines and/or a large audit bill at the end of your term. Proactively addressing these changes can help you avoid unexpected costs.

Here are key areas to review with your agent:

Locations: If you plan to work in California, ensure the state is listed on your policy. You will need to provide a California address to your agent.
Payrolls: If your payrolls will change due to additional jobs or contracts, inform your agent so they can update your estimated payrolls.
Classes: If you're taking on new types of work, your agent should evaluate and add the appropriate class codes to your policy. For more information on class codes, refer to our blog.
Subcontractors: Ensure you obtain updated certificates of insurance from any subcontractors. These will be required at the end of your policy term.
Report Claims Immediately: Report any work-related injuries immediately to ensure the injured worker receives the necessary care. Reporting promptly will help mitigate the overall cost of the claim and reduce its impact on your experience mod and future premiums.

If you have any questions or need assistance with updating your policy, please contact your agent.

BerkleyNet is a member of Berkley, whose member insurance companies are rated A+ (Superior), Financial Size Category XV by A.M. Best Company. We provide workers compensation insurance to a wide variety of businesses across the U.S. Our agents and clients use our online tools to easily quote and manage their policies and connect with our team. If an injury does occur, our claim specialists work to get employees back to health and back to work while responsibly managing the cost of claims.

Please note the information in this article should not be construed as legal advice or as a substitute for professional consulting services. This material is for general informational purposes only, and while reasonable care has been utilized in compiling this information, no warranty or representation is made as to accuracy or completeness. For insurance advice, please contact your licensed insurance agent.