Here at Insurance Solutions, we offer a huge list of different California business insurance policies. We offer so many types, in fact, that you would probably be hard-pressed to name an industry that we don’t help insure.

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One California business insurance policy that nearly every industry needs is workers compensation. Though, when many people think of this policy, they have the wrong idea. Here are the top 5 misconceptions about workers compensation:

1. Workers compensation is not welfare. It is instead an policy meant to protect both employer and employees in case of an accident in the workplace.
2. Workers compensation is a California business insurance policy, not a get rich quick scheme. Pain and suffering is not claimable, and most people only end up receiving 60% of their gross pay when a claim is made.
3. If an employer offers you a replacement job within new limits, you will lose your workers compensation benefits.
4. The fraud level of workers compensation is very low. It has been approximated at less than 4% of total claims.
5. The majority of workers comp claims never go to court.

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