Hurt or disabled employees?
In California, the state mandates a program which provides payments to any employee hurt or disabled in connection with their work. We commonly refer to this program as “workers’ compensation.”
How does it work?
Injured employees receive payments no matter who is at fault for the injury. The payments are “insurance” against certain lawsuits, thus protecting both the employee and the employer. However, an employee can choose to waive their insurance benefits and sue their employer if they feel they were negligent in some way.
All states, except Texas, require employers to purchase their state’s workers’ compensation insurance program or a private policy. That means that, in California, it is the law for all employers.
The federal government offers its own workers’ comp insurance for federal employees.
What types of injuries or incidents does Workers’ Comp cover?
Even though the injured party receives payments regardless of who was at fault, certain limitations to the types of injuries covered apply. Typically, Workers’ Compensation Insurance covers incidents that arise from carelessness or accidents. If an employee is working while under the influence of drugs or alcohol, then the state can deny their benefits, regardless of all other circumstances.
Compensation may also be denied if it’s determined that the injuries were self-inflicted or if the employee was violating the law. They will also be denied if the person injured was not actually on the job when they were hurt.
What does Workers’ Compensation insurance cover?
If your employee files a claim, then their insurance benefits will cover medical needs and about two-thirds of lost income (tax-free). Family members should receive compensation if a worker dies as a result of a work-related accident.
Workers’ Comp also covers chronic problems and long-term illnesses. For instance, someone might file a claim for carpal tunnel syndrome or other repetitive injuries.
Who does Workers’ Compensation insurance cover?
According to California policy, most types of employees fall under the protection of the policy. Volunteers typically don’t, because they do not receive pay. However, paid interns, even though they are not full-time employees should be covered.
Within the film industry, there are all types of people on the set. You may find a full-time crew, contract labor, volunteers, and/or interns. It’s a given that you must have Workers’ Compensation insurance for a full-time crew but you should definitely check with a film insurance agent to find out if you need to cover the others. Determination will depend on a number of factors (such as hours and compensation).
Keep in mind that Workers’ Compensation insurance protects the film production company and its employees and IT’S THE LAW!
Call Equipment & Production Insurance
If you need more information on Workers’ Compensation Insurance then give us a call. Here at Equipment and Production Insurance, we want to help you see your business succeed.
Call us today with any questions you have, and let us help you choose the insurance that is right for you.