Monday, January 25, 2016

Workers' Compensation Application

Do you have workers' compensation  coverage for your employees? If so, either you or your insurance broker have sent an Acord application to your insurance company. This application is what the insurance industry uses  to  write workers' compensation.
Have you ever read the application? There are two questions which I think you as an employer cannot ask your employees. They are:
Do you have any employees over 60 years old?
Do you have any employees with physical  disabilities?
Have you ever been asked these questions?
I have contacted the Insurance Commissioner’s office about this and been told that a workers' compensation application can ask these questions but they seem to agree this is a violation of employment law. The question becomes how do you complete the application if you can’t ask?
The fact that the application ask these questions infers that the insurance companies use this when they underwrite workers' compensation coverage.
The application goes on to say that if you sign the application and  misrepresent any information  you may be guilty of fraud subject to a fine of  $5000.

Small Business California is looking at introducing legislation to require the Acord people to eliminate these questions.
What do you think?

Scott Hauge
Small Business California
2311 Taraval Street
San Francisco, CA  94116


Copyright © 2016 Small Business California, All rights reserved.
Small Business California is a proactive, non-partisan business advocate whose only agenda is the well being of California’s 3.2 million small businesses. Working for all small businesses for a better business environment, SB-Cal is responsive to the needs of small business owners.

Our mailing address is:
Small Business California
2311 Taraval Street
san francisco, CA 94116

Add us to your address book

Please consider being a member of Small Business California! visit us at:

As a SB-Cal member, you will be called on to add your focus and insights into how California legislators should address small business issues, develop and support legislation and pro-active policy solutions to challenges faced by you as a small business owner.  That is our strength; the force of informed small businesses acting together.

Small Business California engages in lobbying  activities on behalf of its members. Approximately 35% of your dues contribution goes to support these lobbying activities, and, we believe, is not deductible as a business expense under Section 162(e) of the Internal Revenue Code.  

unsubscribe from this list    update subscription preferences 


emarks said...


We offers clients access to the most extensive and most accurate
california Business Databases
of business and consumer information.

Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:( Thank you.


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
11.Monthly Income…………..

Email Kindly Contact: