DIAMOND LEGACY INSURANCE

Affordable workers' comp insurance for your business.

Diamond Legacy Insurance, we are a cut above.

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Insurance that covers medical expenses and a portion of lost wages for employees that are hurt while on the job.

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Frequently asked questions about workers comp insurance

Is Workers Comp mandatory in California?

California employers are required by law to have workers' compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers' compensation benefits.

Can I use my own insurance instead of workers comp in California?

Employers must purchase workers' compensation insurance from either a licensed insurance company or through the State Compensation Insurance Fund (State Fund). Employers may also have the option to self-insure for workers' compensation.

Who is exempt from workers compensation insurance California?

In California, the vast majority of workers are covered by workers' compensation. Any employer who has even one employee must have workers' compensation insurance. There are no exceptions for employees who work part time vs. full time, nor are there any exceptions for seasonal workers.

What is a 4600 letter workers compensation?

This is a form that was created by the Division of Workers' Compensation, consistent with Labor Code Section 4600(d), to allow an injured worker to predesignate a physician prior to an industrial injury. The form itself lists the requirements to be able to predesignate a physician.

Can you see your own doctor on workers comp in California?

The Workers' Compensation Law gives the employer the right to select the health care providers for the injured worker.

Can you be fired while on workers comp in California?

While you do have legal rights and protections under California law from being dismissed because of injuries or disabilities related to your work injury, being on workers' compensation does not protect you from being fired or laid off.

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