{"id":97550,"date":"2026-04-28T06:49:24","date_gmt":"2026-04-28T11:49:24","guid":{"rendered":"https:\/\/farmerbrown.com\/staging2026\/?page_id=97550"},"modified":"2026-05-05T07:40:51","modified_gmt":"2026-05-05T12:40:51","slug":"workers-compensation-para-contratistas","status":"publish","type":"page","link":"https:\/\/farmerbrown.com\/es\/negocios\/workers-compensation-para-contratistas\/","title":{"rendered":"Workers Compensation para Contratistas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"97550\" class=\"elementor elementor-97550\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce38e43 e-flex e-con-boxed e-con e-parent\" data-id=\"ce38e43\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dc3397e e-con-full e-flex e-con e-child\" data-id=\"dc3397e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-952a9af elementor-widget__width-initial elementor-widget-tablet_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"952a9af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Workers Compensation para Contratistas:\nSeguro de Compensaci\u00f3n al Trabajador<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b308938 elementor-widget elementor-widget-heading\" data-id=\"b308938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#fff\">\n  Llame al \n  <a href=\"tel:8889730016\"><span style=\"color:#E2814D\">(888) 973-0016<\/a> \n<span style=\"color:#fff\">  \u00a1Aseg\u00farese hoy!\n<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12705c7 elementor-widget elementor-widget-heading\" data-id=\"12705c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00a1Obtenga su certificado en horas!<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed29e5b e-grid e-con-full e-con e-child\" data-id=\"ed29e5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e3a4e2 elementor-widget elementor-widget-button\" data-id=\"4e3a4e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca0e13 elementor-widget elementor-widget-button\" data-id=\"3ca0e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8889730016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Atenci\u00f3n al Cliente<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59da82c e-flex e-con-boxed e-con e-parent\" data-id=\"59da82c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9f66755 e-con-full e-flex e-con e-child\" data-id=\"9f66755\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea3c95b elementor-widget elementor-widget-text-editor\" data-id=\"ea3c95b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si tiene un negocio con empleados, necesita workers compensation. Este seguro tambi\u00e9n se conoce como Compensaci\u00f3n Laboral o Workman&#8217;s Compensation. Es importante saber que un contratista independiente est\u00e1 clasificado de manera distinta a un empleado. En muchos casos, el contratista independiente debe obtener su propia p\u00f3liza de workers compensation para contratistas.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">En <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/farmerbrown.com\">Farmer Brown Insurance<\/a> somos corredores de seguros especializados en workers&#8217; compensation para contratistas y negocios en los 50 estados. Llevamos m\u00e1s de 30 a\u00f1os creando p\u00f3lizas que cubren las necesidades espec\u00edficas de cada negocio. Las secciones a continuaci\u00f3n le ofrecer\u00e1n un tutorial completo sobre este seguro, con consejos que pueden ahorrarle a su empresa miles de d\u00f3lares en primas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66ba272 e-con-full e-flex e-con e-child\" data-id=\"66ba272\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6880aa7 elementor-widget elementor-widget-video\" data-id=\"6880aa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=VXmAiicalYA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3a26b6 e-flex e-con-boxed e-con e-parent\" data-id=\"c3a26b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c975c78 e-con-full e-flex e-con e-child\" data-id=\"c975c78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77c9866 elementor-widget elementor-widget-image\" data-id=\"77c9866\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"144\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/warning-icon.png\" class=\"attachment-large size-large wp-image-69939\" alt=\"warning icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89c73fc elementor-widget elementor-widget-heading\" data-id=\"89c73fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AVISO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4257bfa elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4257bfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6310ba elementor-widget elementor-widget-text-editor\" data-id=\"e6310ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A continuaci\u00f3n encontrar\u00e1 consejos que le han costado a la gente mucho dinero, GRATIS.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0ae793 e-flex e-con-boxed e-con e-parent\" data-id=\"c0ae793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db97c50 elementor-widget elementor-widget-heading\" data-id=\"db97c50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es el Seguro de Compensaci\u00f3n al Trabajador?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed79055 elementor-widget elementor-widget-text-editor\" data-id=\"ed79055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_8 et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>El workers&#8217; compensation se cre\u00f3 para compensar a los empleados por gastos m\u00e9dicos o por p\u00e9rdida de salarios como resultado de lesiones o enfermedades relacionadas con el trabajo. Se rige por las leyes estatales. Cada estado tiene su propia comisi\u00f3n que supervisa el funcionamiento del plan.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8930e92 elementor-widget elementor-widget-image\" data-id=\"8930e92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"327\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/workerscomp-1024x418.png\" class=\"attachment-large size-large wp-image-97614\" alt=\"Coberturas de composici\u00f3n para trabajadores\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/workerscomp-1024x418.png 1024w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/workerscomp-300x122.png 300w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/workerscomp-768x314.png 768w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/workerscomp-1536x627.png 1536w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/workerscomp.png 1962w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27de999 elementor-widget elementor-widget-text-editor\" data-id=\"27de999\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si tiene empleados y no cuenta con cobertura, corre el riesgo de enfrentar una demanda si alguien se lesiona en el trabajo. Sin seguro, esos costos salen de su bolsillo. Si el empleado gana la demanda, usted tambi\u00e9n paga la sentencia. La mayor\u00eda de los estados exigen por ley que los empleados est\u00e9n cubiertos por workers&#8217; compensation. La falta de cobertura puede resultar en multas severas e incluso cargos criminales en casos extremos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-351746b elementor-widget elementor-widget-heading\" data-id=\"351746b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beneficios adicionales para el empleador:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d374047 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d374047\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><font color=\"#666666\"><span style=\"font-weight: 400\">Tener workers compensation se\u00f1ala que usted es un empleador responsable. As\u00ed puede atraer y retener empleados de calidad a largo plazo. Como todos sabemos, encontrar buenos trabajadores es cada vez m\u00e1s dif\u00edcil.&nbsp;<\/span><\/font><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7d2c74 e-flex e-con-boxed e-con e-parent\" data-id=\"a7d2c74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c48762d e-con-full e-flex e-con e-child\" data-id=\"c48762d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd12b39 elementor-widget elementor-widget-image\" data-id=\"cd12b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"144\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/warning-icon.png\" class=\"attachment-large size-large wp-image-69939\" alt=\"warning icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bd080e elementor-widget elementor-widget-heading\" data-id=\"1bd080e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AVISO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e31cf52 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e31cf52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3939971 elementor-widget elementor-widget-text-editor\" data-id=\"3939971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La mayor\u00eda de los empleadores obtienen workers compensation para proteger su negocio. Sin embargo, este beneficio no cubre a todos los trabajadores de forma autom\u00e1tica. Los contratistas independientes, por ejemplo, deben asegurarse de contar con su propia p\u00f3liza.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b67206 e-flex e-con-boxed e-con e-parent\" data-id=\"8b67206\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc96cd elementor-widget elementor-widget-heading\" data-id=\"1fc96cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Requisitos para que un empleado reciba los beneficios:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c591b9c elementor-widget elementor-widget-icon-box\" data-id=\"c591b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEl empleador debe tener cobertura de workers' compensation activa. La mayor\u00eda de los estados lo exigen para todos los empleadores. Si no cuenta con cobertura, el empleado puede presentar un reclamo directamente ante su empresa.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba307ce elementor-widget elementor-widget-icon-box\" data-id=\"ba307ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEl trabajador debe ser empleado conforme a las leyes federales y estatales. Un empleado es alguien contratado exclusivamente por una empresa, ya sea a tiempo completo o a tiempo parcial. Los contratistas independientes no califican como empleados y necesitan su propia p\u00f3liza.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f97a79f e-flex e-con-boxed e-con e-parent\" data-id=\"f97a79f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b0262f e-con-full e-flex e-con e-child\" data-id=\"1b0262f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a83be50 elementor-widget elementor-widget-image\" data-id=\"a83be50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"145\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/pro-tip-light-bulb-icon.png\" class=\"attachment-large size-large wp-image-69863\" alt=\"pro tip light bulb icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e0b51f elementor-widget elementor-widget-heading\" data-id=\"8e0b51f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consejo Profesional<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-666f94f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"666f94f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7bd9d5 elementor-widget elementor-widget-text-editor\" data-id=\"f7bd9d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Obtenga certificados de seguro de todos los contratistas independientes que contrate. Si no lo hace, el dinero que les pag\u00f3 se a\u00f1adir\u00e1 a su n\u00f3mina durante la auditor\u00eda. Todas las p\u00f3lizas de workers&#8217; compensation se auditan al menos una vez al a\u00f1o. Se le pedir\u00e1 que proporcione los registros de n\u00f3mina para calcular la prima.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc4a8da e-flex e-con-boxed e-con e-parent\" data-id=\"dc4a8da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-166d44f elementor-widget elementor-widget-text-editor\" data-id=\"166d44f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La lesi\u00f3n debe estar relacionada con el trabajo. Un empleado que se caiga desde un techo de la casa de un cliente est\u00e1 cubierto. Las lesiones ocurridas fuera del trabajo no son elegibles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8201ee1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8201ee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fa6b6a e-flex e-con-boxed e-con e-parent\" data-id=\"6fa6b6a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac33ef8 e-con-full e-flex e-con e-child\" data-id=\"ac33ef8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-120ab68 elementor-widget elementor-widget-heading\" data-id=\"120ab68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfC\u00f3mo funciona el Workers' Compensation?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbe2a3c elementor-widget elementor-widget-text-editor\" data-id=\"cbe2a3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El workers&#8217; compensation cubre los costos de lesiones y enfermedades de los empleados relacionadas con su trabajo. Cubre salarios perdidos, rehabilitaci\u00f3n y capacitaci\u00f3n para un nuevo empleo. Es requerido por ley en la mayor\u00eda de los estados.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si un empleado se lesiona, el seguro cubre los gastos m\u00e9dicos y los costos de rehabilitaci\u00f3n. Si no puede trabajar, tambi\u00e9n cubre un porcentaje de su salario. La mayor\u00eda de las p\u00f3lizas incluyen beneficios por muerte si un empleado fallece en el trabajo.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El workers&#8217; compensation tambi\u00e9n protege al empleador. La p\u00f3liza cubre los gastos legales y cualquier sentencia si un empleado decide demandar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50d06c2 e-con-full e-flex e-con e-child\" data-id=\"50d06c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad50e44 elementor-widget elementor-widget-image\" data-id=\"ad50e44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/Thumbnail-of-Workers-compensation-Insurance-1024x576.jpg\" class=\"attachment-large size-large wp-image-69771\" alt=\"Thumbnail of Workers compensation Insurance\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/Thumbnail-of-Workers-compensation-Insurance-1024x576.jpg 1024w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/Thumbnail-of-Workers-compensation-Insurance-300x169.jpg 300w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/Thumbnail-of-Workers-compensation-Insurance-768x432.jpg 768w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/Thumbnail-of-Workers-compensation-Insurance-1080x608.jpg 1080w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/Thumbnail-of-Workers-compensation-Insurance.jpg 1280w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6608faa e-flex e-con-boxed e-con e-parent\" data-id=\"6608faa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a4567 elementor-widget elementor-widget-image\" data-id=\"f1a4567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"305\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/Workers-compt-empleado-y-empleador-1024x390.png\" class=\"attachment-large size-large wp-image-97615\" alt=\"Workers compensation empleado y empleador\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/Workers-compt-empleado-y-empleador-1024x390.png 1024w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/Workers-compt-empleado-y-empleador-300x114.png 300w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/Workers-compt-empleado-y-empleador-768x293.png 768w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/Workers-compt-empleado-y-empleador-1536x585.png 1536w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/Workers-compt-empleado-y-empleador.png 2031w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bd6109 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2bd6109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8886760923\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ll\u00e1manos Ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9282ed e-flex e-con-boxed e-con e-parent\" data-id=\"f9282ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f21ab51 elementor-widget elementor-widget-heading\" data-id=\"f21ab51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo funcionan las reclamaciones de workers compensation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2370247 elementor-widget elementor-widget-text-editor\" data-id=\"2370247\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si un empleado sufre una lesi\u00f3n relacionada con el trabajo, debe informar al empleador de inmediato. Lo ideal es reportar dentro de los primeros 30 d\u00edas para no afectar la elegibilidad para los beneficios. El empleado tiene hasta dos a\u00f1os desde la fecha del incidente para presentar una reclamaci\u00f3n de beneficios m\u00e9dicos y un a\u00f1o para presentar una reclamaci\u00f3n de beneficios por p\u00e9rdida de ingresos. Cada estado tiene plazos distintos, as\u00ed que cuanto m\u00e1s pronto se reporte, mejor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c034ecb elementor-widget elementor-widget-heading\" data-id=\"c034ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pasos despu\u00e9s de reportar una lesi\u00f3n:\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-309f5dd elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"309f5dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"91\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/1-Healthcare-Professional-Visit-PNG.png\" class=\"attachment-full size-full wp-image-66679\" alt=\"1 Healthcare Professional Visit PNG\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Visita m\u00e9dica<\/h3><p class=\"elementor-image-box-description\">El empleado debe ser atendido de inmediato por un profesional de la salud acreditado. Retrasar el tratamiento puede resultar en la denegaci\u00f3n de los beneficios. El m\u00e9dico debe saber que la lesi\u00f3n est\u00e1 relacionada con el trabajo para que los registros queden correctamente anotados.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7bd641 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"e7bd641\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"91\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/2-Start-The-Claim-Process-PNG.png\" class=\"attachment-full size-full wp-image-66677\" alt=\"2 Start The Claim Process PNG\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Formularios del empleador<\/h3><p class=\"elementor-image-box-description\">El empleador tiene la responsabilidad de proveer al empleado lesionado los formularios apropiados, incluidos los datos de contacto de la aseguradora.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4612f67 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"4612f67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"91\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/3-File-The-Claim-PNG.png\" class=\"attachment-full size-full wp-image-66675\" alt=\"3 File The Claim PNG\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Presentar el reclamo<\/h3><p class=\"elementor-image-box-description\">El empleado contacta a la aseguradora y presenta el reclamo, junto con todos los documentos e informes m\u00e9dicos requeridos por el estado. El tiempo es cr\u00edtico.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83792e2 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"83792e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"91\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/4-Getting-Benefits-PNG.png\" class=\"attachment-full size-full wp-image-66673\" alt=\"4 Getting Benefits PNG\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Aprobaci\u00f3n de la reclamaci\u00f3n<\/h3><p class=\"elementor-image-box-description\">Si es aprobada, el empleado comienza a recibir beneficios: facturas m\u00e9dicas, costos de rehabilitaci\u00f3n y un porcentaje de su salario.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6e1fd2 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"f6e1fd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"91\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/5-Getting-Back-To-Work-PNG.png\" class=\"attachment-full size-full wp-image-66671\" alt=\"5 Getting Back To Work PNG\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Regreso al trabajo<\/h3><p class=\"elementor-image-box-description\">El m\u00e9dico determina cu\u00e1ndo el empleado puede regresar al trabajo. El empleador debe ajustar el horario, si es necesario, durante la recuperaci\u00f3n.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-360baf8 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"360baf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"91\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/6-Safety-Training-PNG.png\" class=\"attachment-full size-full wp-image-66669\" alt=\"6 Safety Training PNG\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Entrenamiento de seguridad<\/h3><p class=\"elementor-image-box-description\">Despu\u00e9s de cualquier accidente, se debe proporcionar entrenamiento de seguridad para evitar que el mismo tipo de incidente vuelva a ocurrir.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74b53d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c74b53d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03cc040 e-flex e-con-boxed e-con e-parent\" data-id=\"03cc040\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be75a8d elementor-widget elementor-widget-heading\" data-id=\"be75a8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 cubre el Workers Compensation?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a31f086 elementor-widget elementor-widget-text-editor\" data-id=\"a31f086\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El workers compensation cubre a los empleados que se lesionan realizando las tareas de su trabajo. Los beneficios se pagan sin importar si el empleado o el empleador fue responsable del accidente. Los trabajadores lesionados no necesitan demandar a su empleador para recibir compensaci\u00f3n.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Por ejemplo, un trabajador de la construcci\u00f3n puede cobrar beneficios por caerse de una escalera aunque no haya usado las medidas de seguridad correctas antes de subir.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-545303f elementor-widget elementor-widget-heading\" data-id=\"545303f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diferencia entre Workers' Compensation y Disability Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-368b674 elementor-widget elementor-widget-text-editor\" data-id=\"368b674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El Disability Insurance cubre lesiones o enfermedades no relacionadas con el trabajo. No es obligatorio en la mayor\u00eda de los estados. El workers&#8217; compensation solo cubre lesiones ocurridas en el trabajo, pero s\u00ed es obligatorio. Si usted es propietario \u00fanico, vale la pena comparar ambas opciones con un agente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cbb423 elementor-widget elementor-widget-heading\" data-id=\"6cbb423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tipos de beneficios seg\u00fan las leyes estatales:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf20b63 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bf20b63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCobertura m\u00e9dica: \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tVisitas al m\u00e9dico, atenci\u00f3n hospitalaria, medicamentos, fisioterapia y cualquier tratamiento necesario.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-836d17a elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"836d17a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tIngresos por discapacidad:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tReemplaza los ingresos perdidos cuando el trabajador no puede trabajar. En la mayor\u00eda de los estados equivale a aproximadamente 2\/3 del salario semanal. El monto depende de si la discapacidad es temporal o permanente.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a5d4c2 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5a5d4c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRehabilitaci\u00f3n laboral: \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCapacitaci\u00f3n para trabajadores que no pueden regresar a su ocupaci\u00f3n anterior.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90ff7dd elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"90ff7dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBeneficios por muerte:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSi un trabajador fallece en el trabajo, su c\u00f3nyuge e hijos menores de edad reciben un beneficio por muerte.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4b98cf elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a4b98cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8886760923\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ll\u00e1manos Ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d67c945 e-flex e-con-boxed e-con e-parent\" data-id=\"d67c945\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-652fc21 elementor-widget elementor-widget-heading\" data-id=\"652fc21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 lesiones no est\u00e1n cubiertas?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b85e09c elementor-widget elementor-widget-text-editor\" data-id=\"b85e09c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>El workers compensation no cubre todas las situaciones. Las principales excepciones son:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27ecfb4 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"27ecfb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-close\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V86c0-3.3 2.7-6 6-6h404c3.3 0 6 2.7 6 6v340zM356.5 194.6L295.1 256l61.4 61.4c4.6 4.6 4.6 12.1 0 16.8l-22.3 22.3c-4.6 4.6-12.1 4.6-16.8 0L256 295.1l-61.4 61.4c-4.6 4.6-12.1 4.6-16.8 0l-22.3-22.3c-4.6-4.6-4.6-12.1 0-16.8l61.4-61.4-61.4-61.4c-4.6-4.6-4.6-12.1 0-16.8l22.3-22.3c4.6-4.6 12.1-4.6 16.8 0l61.4 61.4 61.4-61.4c4.6-4.6 12.1-4.6 16.8 0l22.3 22.3c4.7 4.6 4.7 12.1 0 16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLesiones bajo influencia de alcohol o drogas ilegales.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e985b6 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5e985b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-close\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V86c0-3.3 2.7-6 6-6h404c3.3 0 6 2.7 6 6v340zM356.5 194.6L295.1 256l61.4 61.4c4.6 4.6 4.6 12.1 0 16.8l-22.3 22.3c-4.6 4.6-12.1 4.6-16.8 0L256 295.1l-61.4 61.4c-4.6 4.6-12.1 4.6-16.8 0l-22.3-22.3c-4.6-4.6-4.6-12.1 0-16.8l61.4-61.4-61.4-61.4c-4.6-4.6-4.6-12.1 0-16.8l22.3-22.3c4.6-4.6 12.1-4.6 16.8 0l61.4 61.4 61.4-61.4c4.6-4.6 12.1-4.6 16.8 0l22.3 22.3c4.7 4.6 4.7 12.1 0 16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLesiones auto-infligidas intencionalmente.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb9cf1 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7eb9cf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-close\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V86c0-3.3 2.7-6 6-6h404c3.3 0 6 2.7 6 6v340zM356.5 194.6L295.1 256l61.4 61.4c4.6 4.6 4.6 12.1 0 16.8l-22.3 22.3c-4.6 4.6-12.1 4.6-16.8 0L256 295.1l-61.4 61.4c-4.6 4.6-12.1 4.6-16.8 0l-22.3-22.3c-4.6-4.6-4.6-12.1 0-16.8l61.4-61.4-61.4-61.4c-4.6-4.6-4.6-12.1 0-16.8l22.3-22.3c4.6-4.6 12.1-4.6 16.8 0l61.4 61.4 61.4-61.4c4.6-4.6 12.1-4.6 16.8 0l22.3 22.3c4.7 4.6 4.7 12.1 0 16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLesiones ocurridas mientras el empleado comet\u00eda un delito.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3f3cf0 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e3f3cf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-close\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V86c0-3.3 2.7-6 6-6h404c3.3 0 6 2.7 6 6v340zM356.5 194.6L295.1 256l61.4 61.4c4.6 4.6 4.6 12.1 0 16.8l-22.3 22.3c-4.6 4.6-12.1 4.6-16.8 0L256 295.1l-61.4 61.4c-4.6 4.6-12.1 4.6-16.8 0l-22.3-22.3c-4.6-4.6-4.6-12.1 0-16.8l61.4-61.4-61.4-61.4c-4.6-4.6-4.6-12.1 0-16.8l22.3-22.3c4.6-4.6 12.1-4.6 16.8 0l61.4 61.4 61.4-61.4c4.6-4.6 12.1-4.6 16.8 0l22.3 22.3c4.7 4.6 4.7 12.1 0 16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLesiones ocurridas fuera del horario de trabajo.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f22af9f elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f22af9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-close\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V86c0-3.3 2.7-6 6-6h404c3.3 0 6 2.7 6 6v340zM356.5 194.6L295.1 256l61.4 61.4c4.6 4.6 4.6 12.1 0 16.8l-22.3 22.3c-4.6 4.6-12.1 4.6-16.8 0L256 295.1l-61.4 61.4c-4.6 4.6-12.1 4.6-16.8 0l-22.3-22.3c-4.6-4.6-4.6-12.1 0-16.8l61.4-61.4-61.4-61.4c-4.6-4.6-4.6-12.1 0-16.8l22.3-22.3c4.6-4.6 12.1-4.6 16.8 0l61.4 61.4 61.4-61.4c4.6-4.6 12.1-4.6 16.8 0l22.3 22.3c4.7 4.6 4.7 12.1 0 16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLesiones causadas por violaci\u00f3n de las pol\u00edticas de seguridad de la empresa.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ec6082 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8ec6082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8886760923\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ll\u00e1manos Ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a844203 e-flex e-con-boxed e-con e-parent\" data-id=\"a844203\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e1c5c elementor-widget elementor-widget-heading\" data-id=\"d6e1c5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfLos voluntarios est\u00e1n cubiertos?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea37fcf elementor-widget elementor-widget-text-editor\" data-id=\"ea37fcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Los voluntarios no son empleados remunerados ni est\u00e1n cubiertos por el seguro de compensaci\u00f3n por accidentes de trabajo. Si su negocio trabaja con voluntarios, hay opciones adicionales de cobertura. Ll\u00e1menos para discutirlo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a11d03 elementor-widget elementor-widget-image\" data-id=\"5a11d03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"327\" height=\"189\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Volunteers-are-not-Paid-Employees-so-They-are-not-Covered-PNG.png\" class=\"attachment-large size-large wp-image-66683\" alt=\"Volunteers are not Paid Employees so They are not Covered PNG\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Volunteers-are-not-Paid-Employees-so-They-are-not-Covered-PNG.png 327w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Volunteers-are-not-Paid-Employees-so-They-are-not-Covered-PNG-300x173.png 300w\" sizes=\"(max-width: 327px) 100vw, 327px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35265b3 e-flex e-con-boxed e-con e-parent\" data-id=\"35265b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0587dfe e-con-full e-flex e-con e-child\" data-id=\"0587dfe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ac0e00 elementor-widget elementor-widget-image\" data-id=\"9ac0e00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"145\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/pro-tip-light-bulb-icon.png\" class=\"attachment-large size-large wp-image-69863\" alt=\"pro tip light bulb icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b2763b elementor-widget elementor-widget-heading\" data-id=\"6b2763b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consejo Profesional<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3980555 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3980555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c83f83 elementor-widget elementor-widget-text-editor\" data-id=\"2c83f83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Haga que los voluntarios firmen renuncias y acuerdos de exenci\u00f3n antes de comenzar cualquier actividad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b83769 e-flex e-con-boxed e-con e-parent\" data-id=\"4b83769\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cea8f05 elementor-widget elementor-widget-heading\" data-id=\"cea8f05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQui\u00e9n necesita Workers Compensation?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9eb3ea6 elementor-widget elementor-widget-text-editor\" data-id=\"9eb3ea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El workers compensation se rige por el estado donde opera su empresa. Cada estado tiene sus propios requisitos y penalidades. Texas es el \u00fanico estado en el que es opcional para los empleadores del sector privado.<\/p><p>En la mayor\u00eda de los estados, el seguro es obligatorio desde el primer empleado. Las sanciones por no tenerlo son severas. En California, Nueva York y Pennsylvania puede enfrentar cargos criminales por incumplimiento intencional. Illinois cobra multas de $500 por d\u00eda con un m\u00ednimo de $10,000.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a09d3b8 elementor-widget elementor-widget-image\" data-id=\"a09d3b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"446\" height=\"231\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/If-You-Have-1-or-More-Employees-PNG.png\" class=\"attachment-large size-large wp-image-66687\" alt=\"If You Have 1 or More Employees PNG\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/If-You-Have-1-or-More-Employees-PNG.png 446w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/If-You-Have-1-or-More-Employees-PNG-300x155.png 300w\" sizes=\"(max-width: 446px) 100vw, 446px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c89084 elementor-widget elementor-widget-text-editor\" data-id=\"9c89084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El workers compensation no solo protege a sus empleados. <strong>Tambi\u00e9n protege su negocio de demandas y acciones legales que podr\u00edan costarle miles de d\u00f3lares o sacarle del negocio.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20a4801 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"20a4801\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b832f3 e-flex e-con-boxed e-con e-parent\" data-id=\"0b832f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a47359 elementor-widget elementor-widget-heading\" data-id=\"6a47359\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfNecesita un propietario \u00fanico Workers Compensation?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5090521 elementor-widget elementor-widget-text-editor\" data-id=\"5090521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Como regla general, los propietarios \u00fanicos sin empleados no est\u00e1n obligados a comprarlo. Pero hay una raz\u00f3n importante para considerarlo: si se lesiona en el trabajo, la p\u00f3liza puede pagar los gastos m\u00e9dicos y los salarios de reemplazo durante su recuperaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-608914c elementor-widget elementor-widget-image\" data-id=\"608914c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"227\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Sole-Proprietors-With-NO-Employees-PNG.png\" class=\"attachment-large size-large wp-image-66689\" alt=\"Sole Proprietors With NO Employees PNG\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Sole-Proprietors-With-NO-Employees-PNG.png 360w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Sole-Proprietors-With-NO-Employees-PNG-300x189.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-228ff633 e-flex e-con-boxed e-con e-parent\" data-id=\"228ff633\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28df9ae4 e-con-full e-flex e-con e-child\" data-id=\"28df9ae4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6035ee5a elementor-widget elementor-widget-image\" data-id=\"6035ee5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"144\" height=\"144\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/info-icon.png\" class=\"attachment-large size-large wp-image-69946\" alt=\"info icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a9e34df elementor-widget elementor-widget-heading\" data-id=\"3a9e34df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">INFO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27483422 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"27483422\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a017b4a elementor-widget elementor-widget-text-editor\" data-id=\"4a017b4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si usted es propietario \u00fanico, todos sus ingresos dependen de su capacidad laboral. El workers compensation puede ser una alternativa m\u00e1s econ\u00f3mica que el Disability Insurance. La diferencia es que workers compensation solo cubre lesiones relacionadas con el trabajo, mientras que el Disability Insurance cubre lesiones ocurridas en cualquier lugar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5aaa782 e-flex e-con-boxed e-con e-parent\" data-id=\"5aaa782\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6d7f85 elementor-widget elementor-widget-heading\" data-id=\"e6d7f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 pasa si me piden Workers Compensation y no tengo empleados?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e485d4b elementor-widget elementor-widget-text-editor\" data-id=\"e485d4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Es una de las preguntas m\u00e1s frecuentes que recibimos de contratistas peque\u00f1os. <strong>Un cliente o contratista general les exige un certificado de seguro que demuestre workers compensation, pero no tienen empleados.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4879d15 elementor-widget elementor-widget-image\" data-id=\"4879d15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"414\" height=\"176\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Workers-Compensation-Insurance-PNG.png\" class=\"attachment-large size-large wp-image-66691\" alt=\"Workers Compensation Insurance PNG\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Workers-Compensation-Insurance-PNG.png 414w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Workers-Compensation-Insurance-PNG-300x128.png 300w\" sizes=\"(max-width: 414px) 100vw, 414px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71b54ca elementor-widget elementor-widget-text-editor\" data-id=\"71b54ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La respuesta es s\u00ed: existe una soluci\u00f3n. Se llama <a href=\"https:\/\/contractorsliability.com\/es\/coberturas\/compensacion-al-trabajador-poliza-fantasma\/\">p\u00f3liza fantasma o p\u00f3liza &#8220;si hay alguno.&#8221;<\/a> El contratista general que lo contrata necesita que usted demuestre cobertura, ya que cuando su aseguradora realice la auditor\u00eda anual pedir\u00e1 certificados de todos los subcontratistas. Si usted no puede presentar esos certificados, el dinero que le pagaron se suma a la n\u00f3mina del contratista general, quien paga una prima adicional. Por eso lo exigen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97e61a4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"97e61a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9124a5 e-flex e-con-boxed e-con e-parent\" data-id=\"c9124a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e97a34d e-con-full e-flex e-con e-child\" data-id=\"e97a34d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b2045a elementor-widget elementor-widget-image\" data-id=\"5b2045a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"145\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/pro-tip-light-bulb-icon.png\" class=\"attachment-large size-large wp-image-69863\" alt=\"pro tip light bulb icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea982ae elementor-widget elementor-widget-heading\" data-id=\"ea982ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consejo Profesional<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d676c1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9d676c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a4c40 elementor-widget elementor-widget-text-editor\" data-id=\"b3a4c40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si tiene una p\u00f3liza fantasma y pag\u00f3 dinero a un subcontratista, durante la auditor\u00eda tambi\u00e9n le pedir\u00e1n los certificados de ese subcontratista. Si no las tiene, esas cantidades se tratar\u00e1n como n\u00f3mina y recibir\u00e1 una factura adicional. Obtenga los certificados antes de que cualquier subcontratista empiece a trabajar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bd310d e-flex e-con-boxed e-con e-parent\" data-id=\"9bd310d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c81c4f elementor-widget elementor-widget-heading\" data-id=\"3c81c4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta una p\u00f3liza fantasma?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f52561 elementor-widget elementor-widget-text-editor\" data-id=\"8f52561\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>La p\u00f3liza fantasma de workers compensation cuesta aproximadamente $1,000 al a\u00f1o. Cada estado es diferente y esta es una cifra aproximada.<\/strong> Puede usarla al cotizar trabajos que requieran este tipo de p\u00f3liza. Recuerde trasladar ese costo al cliente. Si durante la auditor\u00eda se demuestra que no tuvo empleados y se presentan los certificados de sus subcontratistas, puede recibir un reembolso parcial de la prima.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a0ea7f elementor-widget elementor-widget-image\" data-id=\"5a0ea7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"336\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/poliz-fantasma-768x336.png\" class=\"attachment-medium_large size-medium_large wp-image-97619\" alt=\"P\u00f3liza fantasma costo promedio\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/poliz-fantasma-768x336.png 768w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/poliz-fantasma-300x131.png 300w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/poliz-fantasma-1024x448.png 1024w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/poliz-fantasma-1536x672.png 1536w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/poliz-fantasma.png 1896w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fea354f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"fea354f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8886760923\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ll\u00e1manos Ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-01b1746 e-flex e-con-boxed e-con e-parent\" data-id=\"01b1746\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-247f6a4 elementor-widget elementor-widget-heading\" data-id=\"247f6a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Workers Compensation en estados monopol\u00edsticos\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41ea5a3 elementor-widget elementor-widget-text-editor\" data-id=\"41ea5a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_37 et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p><strong>Si opera en Ohio, Wyoming, Washington o Dakota del Norte, debe obtener el workers compensation directamente del estado.<\/strong> Estos estados proh\u00edben la venta de este seguro por parte de compa\u00f1\u00edas privadas. El fondo estatal es el \u00fanico proveedor disponible.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b95750 elementor-widget elementor-widget-image\" data-id=\"9b95750\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"426\" height=\"196\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Monopolistic-States-PNG.png\" class=\"attachment-large size-large wp-image-66695\" alt=\"Monopolistic States PNG\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Monopolistic-States-PNG.png 426w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Monopolistic-States-PNG-300x138.png 300w\" sizes=\"(max-width: 426px) 100vw, 426px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-912d246 e-con-full e-flex e-con e-child\" data-id=\"912d246\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8a45fb elementor-widget elementor-widget-image\" data-id=\"e8a45fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"144\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/12\/warning-icon.png\" class=\"attachment-large size-large wp-image-69939\" alt=\"warning icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aeb36d elementor-widget elementor-widget-heading\" data-id=\"9aeb36d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Aviso<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbe3027 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fbe3027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a070d elementor-widget elementor-widget-text-editor\" data-id=\"f1a070d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si su empresa tiene trabajadores en varios estados y uno de ellos es monopol\u00edstico, los empleados de ese estado deben estar asegurados en una p\u00f3liza separada comprada al fondo estatal. No pueden incluirse en una p\u00f3liza multiestado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dbd805 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8dbd805\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ce53c8 e-flex e-con-boxed e-con e-parent\" data-id=\"4ce53c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-148f43e elementor-widget elementor-widget-heading\" data-id=\"148f43e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta el Workers Compensation?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a93e7 elementor-widget elementor-widget-text-editor\" data-id=\"11a93e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El costo var\u00eda significativamente de estado a estado porque cada estado lo regula de manera diferente. Los cuatro factores principales que determinan el precio son el tipo de negocio, la ubicaci\u00f3n, la antig\u00fcedad del negocio y el historial de reclamaciones.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73d568a e-grid e-con-full e-con e-child\" data-id=\"73d568a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b51137 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"0b51137\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"123\" height=\"123\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Type-of-Business-Icon.png\" class=\"attachment-full size-full wp-image-66697\" alt=\"Type of Business Icon\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Tipo de negocio<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66e5a1c elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"66e5a1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"123\" height=\"123\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Your-Location-Icon.png\" class=\"attachment-full size-full wp-image-66699\" alt=\"Your Location Icon\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Ubicaci\u00f3n<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adebca1 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"adebca1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"123\" height=\"123\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Age-of-Your-Business-Icon.png\" class=\"attachment-full size-full wp-image-66701\" alt=\"Age of Your Business Icon\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Antig\u00fcedad del negocio<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c6f86f elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"5c6f86f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"123\" height=\"123\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/Safety-Record-or-Loss-History-Icon.png\" class=\"attachment-full size-full wp-image-66703\" alt=\"Safety Record or Loss History Icon\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Historial de reclamaciones<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6b55a elementor-widget elementor-widget-text-editor\" data-id=\"bf6b55a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tipo de negocio:<\/strong> El <a href=\"https:\/\/www.ncci.com\/\">\u00a0NCCI<\/a> (Consejo Nacional de Seguros de Compensaci\u00f3n) cuenta con m\u00e1s de 700 c\u00f3digos de clasificaci\u00f3n. Cada uno identifica un tipo de trabajo espec\u00edfico. A mayor riesgo de la profesi\u00f3n, mayor el costo. Cubrir a un techador cuesta mucho m\u00e1s que a alguien que trabaja en una oficina.<\/p><p><strong>Ubicaci\u00f3n:<\/strong> En Texas se paga alrededor de $13 por cada $100 de n\u00f3mina. En California, el costo puede ser igual o mayor que el monto total de la n\u00f3mina.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Antig\u00fcedad del negocio:<\/strong> Las empresas nuevas suelen ingresar al plan de riesgo asignado por el Estado, conocido como Pool. Las tasas del Pool son m\u00e1s altas que las del mercado est\u00e1ndar porque implican un mayor riesgo para la aseguradora.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Historial de reclamaciones:<\/strong> Esto se llama modificaci\u00f3n de experiencia (EM). La empresa promedio tiene un EM de 1. Un historial de seguridad deficiente sube el EM por encima de 1. Un historial limpio lo baja por debajo de 1.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8796ef6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8796ef6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a0e2fc elementor-widget elementor-widget-heading\" data-id=\"5a0e2fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ejemplo de c\u00f3mo el EM afecta el precio de la p\u00f3liza:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33c992b elementor-widget elementor-widget-text-editor\" data-id=\"33c992b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Tres contratistas generales, todos con n\u00f3mina de $100,000 y tasa estatal de $20 por cada $100:<\/strong><\/p><p class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">Safety Sam GC (EM 0.75) paga $15,000 al a\u00f1o.<\/p><p class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">Average Joe GC (EM 1.0) paga $20,000 al a\u00f1o.<\/p><p class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">Risky Ralph GC (EM 1.25) paga $25,000 al a\u00f1o.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faf558e elementor-widget elementor-widget-image\" data-id=\"faf558e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"462\" height=\"209\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/How-experience-Modificator-EM-affect-the-workers-comp-price-ICON.png\" class=\"attachment-large size-large wp-image-66705\" alt=\"How experience Modificator (EM) affect the workers comp price ICON\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/How-experience-Modificator-EM-affect-the-workers-comp-price-ICON.png 462w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2022\/07\/How-experience-Modificator-EM-affect-the-workers-comp-price-ICON-300x136.png 300w\" sizes=\"(max-width: 462px) 100vw, 462px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b431831 elementor-widget elementor-widget-text-editor\" data-id=\"b431831\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Las tres p\u00f3lizas tienen la misma cobertura. <strong>Risky Ralph paga $10,000 m\u00e1s al a\u00f1o que Safety Sam por el mismo seguro.<\/strong> Con n\u00f3minas altas, esa diferencia puede ser enorme.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Ejemplos de costo vs riesgo:<\/strong><\/p><p class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">Empleado de oficina\/Clerical: Riesgo bajo, promedio de $28 por cada $100 de n\u00f3mina.<\/p><p class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">Contratista\/Artesano: Promedio de $12 por cada $100 de n\u00f3mina.<\/p><p class=\"font-claude-response-body break-words whitespace-pre-wrap leading-[1.7]\">Contratista de alto riesgo (electricistas, etc.): Promedio de $35 por cada $100 de n\u00f3mina.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f91a3f5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f91a3f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8886760923\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Llamanos Ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c3992f e-flex e-con-boxed e-con e-parent\" data-id=\"9c3992f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b90b77c elementor-widget elementor-widget-heading\" data-id=\"b90b77c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfA cu\u00e1nto asciende el workers compensation para una peque\u00f1a empresa?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a841b2d elementor-widget elementor-widget-text-editor\" data-id=\"a841b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">La primera pregunta de todo propietario de peque\u00f1a empresa es \u00bfcu\u00e1nto me va a costar? En la mayor\u00eda de los casos, las tarifas las determina el estado. Y dentro de un mismo negocio, distintos trabajadores tienen distintas clasificaciones y distintas tasas.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si tiene un negocio de techos, tendr\u00e1 personal de oficina, vendedores y trabajadores que instalan los techos. La persona que contesta el tel\u00e9fono tiene mucho menos riesgo de lesionarse que el trabajador en el techo. Por eso es importante que toda la n\u00f3mina est\u00e9 asignada a la clasificaci\u00f3n correcta. Si asigna a todos como trabajadores de oficina para pagar menos, la auditor\u00eda lo va a detectar y recibir\u00e1 una factura considerable.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A cada clasificaci\u00f3n se le asigna una tasa por cada $100 de n\u00f3mina. Aqu\u00ed hay ejemplos de las p\u00e1ginas de clasificaci\u00f3n del NCCI:<\/p><div class=\"overflow-x-auto w-full px-2 mb-6\"><table class=\"min-w-full border-collapse text-sm leading-[1.7] whitespace-normal\"><thead class=\"text-left\"><tr><th class=\"text-text-100 border-b-0.5 border-border-300\/60 py-2 pr-4 align-top font-bold\" scope=\"col\">Descripci\u00f3n<\/th><th class=\"text-text-100 border-b-0.5 border-border-300\/60 py-2 pr-4 align-top font-bold\" scope=\"col\">Tasa x $100<\/th><th class=\"text-text-100 border-b-0.5 border-border-300\/60 py-2 pr-4 align-top font-bold\" scope=\"col\">N\u00f3mina<\/th><th class=\"text-text-100 border-b-0.5 border-border-300\/60 py-2 pr-4 align-top font-bold\" scope=\"col\">Costo anual<\/th><\/tr><\/thead><tbody><tr><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">Oficina\/Clerical<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$0.13<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$40,000<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$52<\/td><\/tr><tr><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">Pintor<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$8.00<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$50,000<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$4,000<\/td><\/tr><tr><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">Techador<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$25.00<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$100,000<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$25,000<\/td><\/tr><tr><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">Tienda minorista<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$1.30<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$30,000<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$390<\/td><\/tr><tr><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">Restaurante<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$1.80<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$60,000<\/td><td class=\"border-b-0.5 border-border-300\/30 py-2 pr-4 align-top\">$1,080<\/td><\/tr><\/tbody><\/table><\/div><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Por lo general, existe una tarifa anual adicional de administraci\u00f3n de la p\u00f3liza, limitada por la ley estatal y determinada por la aseguradora.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acfd7c2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"acfd7c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Cotizaci\u00f3n gratis!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f05585c elementor-widget elementor-widget-heading\" data-id=\"f05585c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfC\u00f3mo obtengo el Workers Compensation?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3be147 elementor-widget elementor-widget-text-editor\" data-id=\"d3be147\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si est\u00e1 en uno de los cuatro estados monopol\u00edsticos, contacte directamente al fondo estatal:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8708fb3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8708fb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lni.wa.gov\/insurance\/insurance-requirements\/do-i-need-a-workers-comp-account\/#:~:text=Washington%20State%20does%20not%20allow,Learn%20more%20about%20Self%2DInsurance.\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-link\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M326.612 185.391c59.747 59.809 58.927 155.698.36 214.59-.11.12-.24.25-.36.37l-67.2 67.2c-59.27 59.27-155.699 59.262-214.96 0-59.27-59.26-59.27-155.7 0-214.96l37.106-37.106c9.84-9.84 26.786-3.3 27.294 10.606.648 17.722 3.826 35.527 9.69 52.721 1.986 5.822.567 12.262-3.783 16.612l-13.087 13.087c-28.026 28.026-28.905 73.66-1.155 101.96 28.024 28.579 74.086 28.749 102.325.51l67.2-67.19c28.191-28.191 28.073-73.757 0-101.83-3.701-3.694-7.429-6.564-10.341-8.569a16.037 16.037 0 0 1-6.947-12.606c-.396-10.567 3.348-21.456 11.698-29.806l21.054-21.055c5.521-5.521 14.182-6.199 20.584-1.731a152.482 152.482 0 0 1 20.522 17.197zM467.547 44.449c-59.261-59.262-155.69-59.27-214.96 0l-67.2 67.2c-.12.12-.25.25-.36.37-58.566 58.892-59.387 154.781.36 214.59a152.454 152.454 0 0 0 20.521 17.196c6.402 4.468 15.064 3.789 20.584-1.731l21.054-21.055c8.35-8.35 12.094-19.239 11.698-29.806a16.037 16.037 0 0 0-6.947-12.606c-2.912-2.005-6.64-4.875-10.341-8.569-28.073-28.073-28.191-73.639 0-101.83l67.2-67.19c28.239-28.239 74.3-28.069 102.325.51 27.75 28.3 26.872 73.934-1.155 101.96l-13.087 13.087c-4.35 4.35-5.769 10.79-3.783 16.612 5.864 17.194 9.042 34.999 9.69 52.721.509 13.906 17.454 20.446 27.294 10.606l37.106-37.106c59.271-59.259 59.271-155.699.001-214.959z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">WASHINGTON<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hr.osu.edu\/benefits\/workers-compensation\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-link\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M326.612 185.391c59.747 59.809 58.927 155.698.36 214.59-.11.12-.24.25-.36.37l-67.2 67.2c-59.27 59.27-155.699 59.262-214.96 0-59.27-59.26-59.27-155.7 0-214.96l37.106-37.106c9.84-9.84 26.786-3.3 27.294 10.606.648 17.722 3.826 35.527 9.69 52.721 1.986 5.822.567 12.262-3.783 16.612l-13.087 13.087c-28.026 28.026-28.905 73.66-1.155 101.96 28.024 28.579 74.086 28.749 102.325.51l67.2-67.19c28.191-28.191 28.073-73.757 0-101.83-3.701-3.694-7.429-6.564-10.341-8.569a16.037 16.037 0 0 1-6.947-12.606c-.396-10.567 3.348-21.456 11.698-29.806l21.054-21.055c5.521-5.521 14.182-6.199 20.584-1.731a152.482 152.482 0 0 1 20.522 17.197zM467.547 44.449c-59.261-59.262-155.69-59.27-214.96 0l-67.2 67.2c-.12.12-.25.25-.36.37-58.566 58.892-59.387 154.781.36 214.59a152.454 152.454 0 0 0 20.521 17.196c6.402 4.468 15.064 3.789 20.584-1.731l21.054-21.055c8.35-8.35 12.094-19.239 11.698-29.806a16.037 16.037 0 0 0-6.947-12.606c-2.912-2.005-6.64-4.875-10.341-8.569-28.073-28.073-28.191-73.639 0-101.83l67.2-67.19c28.239-28.239 74.3-28.069 102.325.51 27.75 28.3 26.872 73.934-1.155 101.96l-13.087 13.087c-4.35 4.35-5.769 10.79-3.783 16.612 5.864 17.194 9.042 34.999 9.69 52.721.509 13.906 17.454 20.446 27.294 10.606l37.106-37.106c59.271-59.259 59.271-155.699.001-214.959z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OHIO<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/wyomingworkforce.org\/businesses\/workerscomp\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-link\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M326.612 185.391c59.747 59.809 58.927 155.698.36 214.59-.11.12-.24.25-.36.37l-67.2 67.2c-59.27 59.27-155.699 59.262-214.96 0-59.27-59.26-59.27-155.7 0-214.96l37.106-37.106c9.84-9.84 26.786-3.3 27.294 10.606.648 17.722 3.826 35.527 9.69 52.721 1.986 5.822.567 12.262-3.783 16.612l-13.087 13.087c-28.026 28.026-28.905 73.66-1.155 101.96 28.024 28.579 74.086 28.749 102.325.51l67.2-67.19c28.191-28.191 28.073-73.757 0-101.83-3.701-3.694-7.429-6.564-10.341-8.569a16.037 16.037 0 0 1-6.947-12.606c-.396-10.567 3.348-21.456 11.698-29.806l21.054-21.055c5.521-5.521 14.182-6.199 20.584-1.731a152.482 152.482 0 0 1 20.522 17.197zM467.547 44.449c-59.261-59.262-155.69-59.27-214.96 0l-67.2 67.2c-.12.12-.25.25-.36.37-58.566 58.892-59.387 154.781.36 214.59a152.454 152.454 0 0 0 20.521 17.196c6.402 4.468 15.064 3.789 20.584-1.731l21.054-21.055c8.35-8.35 12.094-19.239 11.698-29.806a16.037 16.037 0 0 0-6.947-12.606c-2.912-2.005-6.64-4.875-10.341-8.569-28.073-28.073-28.191-73.639 0-101.83l67.2-67.19c28.239-28.239 74.3-28.069 102.325.51 27.75 28.3 26.872 73.934-1.155 101.96l-13.087 13.087c-4.35 4.35-5.769 10.79-3.783 16.612 5.864 17.194 9.042 34.999 9.69 52.721.509 13.906 17.454 20.446 27.294 10.606l37.106-37.106c59.271-59.259 59.271-155.699.001-214.959z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">WYOMING<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.workforcesafety.com\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-link\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M326.612 185.391c59.747 59.809 58.927 155.698.36 214.59-.11.12-.24.25-.36.37l-67.2 67.2c-59.27 59.27-155.699 59.262-214.96 0-59.27-59.26-59.27-155.7 0-214.96l37.106-37.106c9.84-9.84 26.786-3.3 27.294 10.606.648 17.722 3.826 35.527 9.69 52.721 1.986 5.822.567 12.262-3.783 16.612l-13.087 13.087c-28.026 28.026-28.905 73.66-1.155 101.96 28.024 28.579 74.086 28.749 102.325.51l67.2-67.19c28.191-28.191 28.073-73.757 0-101.83-3.701-3.694-7.429-6.564-10.341-8.569a16.037 16.037 0 0 1-6.947-12.606c-.396-10.567 3.348-21.456 11.698-29.806l21.054-21.055c5.521-5.521 14.182-6.199 20.584-1.731a152.482 152.482 0 0 1 20.522 17.197zM467.547 44.449c-59.261-59.262-155.69-59.27-214.96 0l-67.2 67.2c-.12.12-.25.25-.36.37-58.566 58.892-59.387 154.781.36 214.59a152.454 152.454 0 0 0 20.521 17.196c6.402 4.468 15.064 3.789 20.584-1.731l21.054-21.055c8.35-8.35 12.094-19.239 11.698-29.806a16.037 16.037 0 0 0-6.947-12.606c-2.912-2.005-6.64-4.875-10.341-8.569-28.073-28.073-28.191-73.639 0-101.83l67.2-67.19c28.239-28.239 74.3-28.069 102.325.51 27.75 28.3 26.872 73.934-1.155 101.96l-13.087 13.087c-4.35 4.35-5.769 10.79-3.783 16.612 5.864 17.194 9.042 34.999 9.69 52.721.509 13.906 17.454 20.446 27.294 10.606l37.106-37.106c59.271-59.259 59.271-155.699.001-214.959z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">NORTH DAKOTA<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23b281f elementor-widget elementor-widget-text-editor\" data-id=\"23b281f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si no est\u00e1 en esos estados, la forma m\u00e1s r\u00e1pida de hacerlo es llamar a los agentes de <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/farmerbrown.com\">Farmer Brown Insurance<\/a>. Escuchamos sus necesidades y conseguimos la cobertura que necesita al mejor precio disponible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c481691 e-flex e-con-boxed e-con e-parent\" data-id=\"c481691\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3256aa1 elementor-widget elementor-widget-heading\" data-id=\"3256aa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 gastos m\u00e9dicos cubre?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b6726 elementor-widget elementor-widget-text-editor\" data-id=\"a2b6726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El workers compensation <strong>puede cubrir atenci\u00f3n en urgencias, visitas al m\u00e9dico, hospitalizaci\u00f3n, radiograf\u00edas, an\u00e1lisis de sangre y tratamiento de rehabilitaci\u00f3n.<\/strong> Cada estado tiene sus propias normas para la aprobaci\u00f3n de gastos m\u00e9dicos.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Pruebas de diagn\u00f3stico como radiograf\u00edas y resonancias magn\u00e9ticas est\u00e1n incluidas. Los tratamientos alternativos como fisioterapia, tratamiento quiropr\u00e1ctico y masajes pueden estar cubiertos pero generalmente requieren aprobaci\u00f3n previa y tienen un l\u00edmite en el n\u00famero de sesiones.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Una vez aprobada la reclamaci\u00f3n, la aseguradora paga las facturas m\u00e9dicas directamente y contin\u00faa pagando a medida que avanza el tratamiento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85c676c e-flex e-con-boxed e-con e-parent\" data-id=\"85c676c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e08ef0 elementor-widget elementor-widget-heading\" data-id=\"7e08ef0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Beneficios cuando se cierra la reclamaci\u00f3n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44fb755 elementor-widget elementor-widget-text-editor\" data-id=\"44fb755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Cuando se cierra una reclamaci\u00f3n, los beneficios pueden continuar de tres formas: pensi\u00f3n por incapacidad permanente, cantidad semanal por incapacidad permanente, o acuerdo estructurado.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si recibe una pensi\u00f3n por incapacidad permanente, los pagos contin\u00faan peri\u00f3dicamente como un porcentaje del salario que ganaba al momento de la lesi\u00f3n. La frecuencia depende del estado.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si tiene una incapacidad permanente parcial y no lleg\u00f3 a un acuerdo estructurado, los beneficios semanales se basan en el grado de incapacidad.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si firm\u00f3 un acuerdo estructurado, su empleador le paga en porciones durante el per\u00edodo acordado, que puede ser de uno a cinco a\u00f1os.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-874f659 e-flex e-con-boxed e-con e-parent\" data-id=\"874f659\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8be8260 elementor-widget elementor-widget-heading\" data-id=\"8be8260\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfComo Freelancer, necesito Workers Compensation?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-003dabf elementor-widget elementor-widget-text-editor\" data-id=\"003dabf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">\u00bfDebo incluir mi trabajo freelance en mi <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/farmerbrown.com\">workers compensation<\/a>? El primer paso es hablar con un agente de seguros sobre las obligaciones legales que aplican en su estado, ya que cada estado tiene sus propias leyes de workers compensation.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Algunos estados exigen que los trabajadores realicen una prueba del Servicio de Impuestos Internos (<a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/www.irs.gov\">IRS<\/a>) para determinar si un trabajador se clasifica como contratista independiente o como empleado. Esta prueba tambi\u00e9n indica cu\u00e1nto control tiene una empresa sobre el horario del freelancer. Si el resultado determina que el trabajador es considerado un empleado, la empresa debe incluirlo en su p\u00f3liza de workers compensation y en la n\u00f3mina regular.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Las empresas que no proveen workers compensation a sus freelancers deben tener un contrato por escrito que indique que la empresa no ser\u00e1 responsable en caso de accidente. Adem\u00e1s, deben exigir que el freelancer presente prueba de que tiene su propia p\u00f3liza de workers compensation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7903d8dc e-flex e-con-boxed e-con e-parent\" data-id=\"7903d8dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-17edee66 e-con-full e-flex e-con e-child\" data-id=\"17edee66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a73d82 elementor-widget elementor-widget-image\" data-id=\"7a73d82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"959\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-854x1024.png\" class=\"attachment-large size-large wp-image-97073\" alt=\"handyman workers compensation seguro para contratistas ebook\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-854x1024.png 854w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-250x300.png 250w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-768x921.png 768w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-1280x1536.png 1280w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es.png 1667w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b274fe5 e-con-full e-flex e-con e-child\" data-id=\"1b274fe5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63c3c1f5 elementor-widget elementor-widget-heading\" data-id=\"63c3c1f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenga el ebook ahora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e7f780 elementor-widget elementor-widget-text-editor\" data-id=\"2e7f780\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todo lo que necesita saber sobre los seguros para contratistas est\u00e1 aqu\u00ed, en un solo lugar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a7cf27 elementor-widget elementor-widget-button\" data-id=\"52a7cf27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/contractorsliability.com\/ebook\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">L\u00e9alo ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a614562 e-con-full e-flex e-con e-parent\" data-id=\"3a614562\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b0dc4ed elementor-widget elementor-widget-heading\" data-id=\"7b0dc4ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Do You Still Have Some Questions?<\/h1>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14d74135 e-con-full e-flex e-con e-child\" data-id=\"14d74135\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eeead25 elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6eeead25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/farmerbrown.com?page_id=173\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"76\" height=\"75\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2023\/05\/Find-us-NOW-icon.png\" class=\"attachment-full size-full wp-image-72122\" alt=\"Find us FarmerBrown Insurance icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/farmerbrown.com?page_id=173\">Find us NOW!<\/a><\/h3><p class=\"elementor-image-box-description\">We are located in 21750 Hardy Oak Blvd Ste. San Antonio, TX, 78258<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bdf63fe elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"1bdf63fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/farmerbrown.com?page_id=2613\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"90\" height=\"79\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2023\/05\/Frequently-Asked-Questions-icon.png\" class=\"attachment-full size-full wp-image-72120\" alt=\"Frequently Asked Questions icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/farmerbrown.com?page_id=2613\">Frequently Asked Questions<\/a><\/h3><p class=\"elementor-image-box-description\">A place where you can find all the answers<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f493174 elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"1f493174\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/farmerbrown.com?page_id=173\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"68\" height=\"75\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2023\/05\/Talk-With-An-Agent-Now-icon.png\" class=\"attachment-full size-full wp-image-72118\" alt=\"Talk With An Agent Now icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/farmerbrown.com?page_id=173\">Talk With An Agent Now<\/a><\/h3><p class=\"elementor-image-box-description\">Let\u2019s figure out how we can help you<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Workers Compensation para Contratistas: Seguro de Compensaci\u00f3n al Trabajador Llame al (888) 973-0016 \u00a1Aseg\u00farese hoy! \u00a1Obtenga su certificado en horas! \u00a1Cotizaci\u00f3n gratis! Atenci\u00f3n al Cliente Si tiene un negocio con empleados, necesita workers compensation. Este seguro tambi\u00e9n se conoce como Compensaci\u00f3n Laboral o Workman&#8217;s Compensation. Es importante saber que un contratista independiente est\u00e1 clasificado de [&hellip;]<\/p>\n","protected":false},"author":83,"featured_media":98182,"parent":97051,"menu_order":17,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-97550","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Workers Compensation para Contratistas 2026<\/title>\n<meta name=\"description\" content=\"\u00bfNecesitas Workers&#039; Compensation para tu negocio? Farmer Brown Insurance cubre los 50 estados. 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