What type of insurance is required by the state of California for businesses with employees?

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In California, businesses with employees are mandated to carry workers' compensation insurance. This type of insurance is designed to provide benefits to employees who are injured or become ill as a result of their job. It covers medical expenses, rehabilitation, and lost wages in case of workplace injuries, ensuring that employees receive necessary support without needing to sue their employer.

The requirement for this insurance is intended to protect both the employees and the employer. For employees, it ensures financial assistance and medical care in the event of a work-related incident, while for employers, it reduces the risk of lawsuits related to workplace injuries. Thus, workers' compensation insurance plays an essential role in promoting workplace safety and providing a safety net for both parties in the employer-employee relationship.

General liability insurance, professional liability insurance, and property insurance do not fulfill this specific legal requirement and serve different purposes in terms of protecting businesses from various risks.

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