California requires most businesses, including churches, to have workers compensation insurance. Churches are still employers that must see to the welfare of their workers. As such, workers compensation coverage makes up an important part of your benefits package.
But your benefits don't just start and end with coverage required by law. You can add other benefits to your employee offerings. By doing so, you'll often add protection that can make them even more secure.
Why Workers Compensation Insurance Is The Law
Workplace law recognizes that employees who get hurt or sick on the job might not be able to work. That could signal lost income that could complicate an employee's financial security. The law requires a workers compensation system where employers can provide for workers injured on the job. It can help injured parties cover their own income during a trying time.
Since most churches have full-time employees, they must follow workers compensation laws. In certain cases, churches can self-insure. Still, that will require a rigorous qualifying process. As a result, it's almost always a better idea to let your California Church Insurance Services agent help you get a solid workers compensation insurance policy. You'll feel more secure after doing so.
Nevertheless, workers compensation isn't the only way to protect your employees. By providing other benefits, you can create a better way for employees to see to their security.
Increasing Employee Benefits
There are other insurance plans out there to make church employees'; lives easier. When lined up next to workers compensation coverage, they will help create a better protective cushion for success.
- Health Insurance: Employer group plans are one of the most convenient ways for Americans to get coverage. Those who get covered medical treatment often have a better chance of full recovery. Consider adding optional coverage like vision and dental for extra perks.
- Life Insurance: The death of an employee might mean hardships for their loved ones. Employer-provided life insurance can often help employees get affordable coverage. They can leave the policy's payout to their beneficiaries in the event of their death.
- Retirement Plans: Many employers provide and even supplement these accounts. Plans allow employees to save for retirement. Some churches might not be able to afford such investments. However, those that can might find them a valuable perk to improve retention.
The way you structure your church's benefits will depend on your organization's needs. You can't let the business go without critical protection like workers compensation insurance. But, what you can do is add extra coverage. That can help employees feel more secure in the organization.
So, talk to your California Church Insurance Services agent about your benefits options. They'll be happy to help you get started.