Workers’ compensation insurance is older than social security and unemployment compensation, coming in as the oldest insurance program in the United States. Workers’ compensation insurance provides wage replacement and medical care to employees who are injured or become ill as a direct result of their job.

Workers’ compensation is based on a no-fault system which means the employee does not have to prove that the injury or illness was another person's fault in order to receive benefits. Workers’ compensation insurance in Fresno, Ca is required for all California businesses that have employees. It is important that employers and employees have an understanding of workers’ compensation insurance and how it works, due to almost every working Californian being protected by the workers’ compensation system. 

With workers’ compensation, employees are entitled to receive all medical treatment required to cure or relieve the effects of a work-related injury or illness. Injured workers may be entitled to one or more of the following benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits, and death benefits.

Medical care can include a wide variety of services such as, physician assistance, hospitalization, physical restoration, physical therapy, chiropractic treatment, dental care, prescriptions, x-rays, laboratory services, or any other service considered necessary by a physician in an employer's Medical Provider Network (MPN). All requests for medical treatment are sent by the physician to the workers' compensation insurer for utilization review (UR) where the requests will be either allowed, modified, or denied.

Employers must purchase workers’ compensation insurance from a licensed insurance company and Reinhardt Insurance is the one for you. A commercial broker-agent, like Reinhardt Insurance, can assist your business with purchasing workers’ compensation insurance from on of our many licensed insurance companies. Reinhardt Insurance can help get your business the best workers’ compensation insurance to protect the owners and employees of the company.