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California law requires employers to have workers' compensation insurance, even if they have just one employee. Employers should shop around for an insurance carrier that best meets their needs. Cost is one consideration, but other factors include services provided, ease of access to claims adjusters and the doctors in the network.

• Failing to have workers’ compensation insurance is a criminal offense

• Employees cannot pay or offset the cost of the policy

• Benefits cover all workers, including part time employees

• It’s illegal to punish or fire an employee for filing a workers’ compensation claim.

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