Insurance Policy Dispute Resolution

Summary

In California, businesses must have workers compensation if they have employees. If you had no employees, you might not need the policy and can dispute the charges. Contact the insurance company to explain the situation and request a review. If unresolved, file a complaint with the California Department of Insurance. Consulting a local attorney specializing in insurance disputes can provide personalized assistance. Visit the California Department of Insurance website or call them for more information.

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An insurance company issued a worker's compensation policy last January * for a business. We did not have any employees and notified them of such each time they contacted us. In June * the insurance company said they don't issue "ghost policies" and the policy would be cancelled. We never used the policy or had employees. We paid $* initially to acquire the policy, and now they are saying we owe a $*,* minimum to be paid. How can this be collectable since they should not have issued the policy in the first place and then canceled it?
Hi ****! Here's some general information about your situation:
- New York law requires worker's compensation for businesses with employees. If you had no employees, you might not need the policy.
- If the policy was issued in error, you may dispute the charges with the insurance company directly.
- Consider filing a complaint with the New York State Department of Financial Services if the issue isn't resolved.

Would you like more guidance on how to proceed with disputing the charges?
This is a policy in California
Thanks for clarifying that it's a California policy. In California, here are some points you might consider:
- California law mandates worker's compensation for businesses with employees.
- If you had no employees, you might not need a policy and could dispute the charges.
- Consider contacting the California Department of Insurance for further assistance.
Would you like more detailed guidance on disputing the charges in California?
yes please
Case Rating: *
To dispute the charges in California, here's a concise guide:
- Communicate with the insurance company to explain the situation and request a review.
- If unresolved, file a complaint with the California Department of Insurance.
- Consult a local attorney specializing in insurance disputes for personalized help.
Would you like more specific information on how to contact these entities?
yes please
Case Rating: *
You can start by contacting the insurance company directly and explaining your situation in writing. If this doesn't resolve the issue, file a complaint with the California Department of Insurance. Consulting a specialized attorney can also help in navigating the dispute. Would you like more specific contact details for these entities?
yes please
Case Rating: *
For detailed contact information:
- Insurance Company: Contact them through their customer service or claims department. Use any contact information provided on your policy documents.
- California Department of Insurance: Visit their website at www.insurance.ca.gov or call (*) *-*.
Would you like further assistance with this?
no thank you. You are very helpful!
Case Rating: *
I'm glad I could help, ****! If you have any more questions in the future or need further assistance, feel free to reach out. Wishing you the best in resolving your issue!