Seguros y GravámenesPregunta 1498 de 1605

If a contractor illegally fails to carry required workers' compensation insurance and an employee is injured, the employee may:

a.Only collect from the CSLB Recovery Fund
b.Be limited strictly to the workers' compensation schedule
c.Sue the employer in civil court where the employer loses certain defenses, and the employer faces penalties
d.Recover nothing because coverage was absent

Explicación

Under Labor Code §3706 and §3708, an uninsured employer may be sued in civil court, and the law presumes the injury was caused by the employer's negligence, stripping common defenses. The employer also faces stop orders and penalties. Illegally uninsured employers face far greater exposure.

Referencia Legal: Labor Code §3706

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Revisado por Abraham Chen Licensed California General Contractor (CSLB License #1101856 verificar)
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