What insurance is mandated for an unarmed PPO agency with at least one employee?

An unarmed private patrol operator (PPO) agency with at least one employee is mandated to carry workers' compensation insurance. This requirement is established under California law to ensure that employees are protected in the event of work-related injuries or illnesses. Workers' compensation insurance provides wage replacement and medical benefits to employees injured in the course of their employment, which is vital for the safety and welfare of employees in the security industry.

This requirement reflects the government's commitment to providing a safety net for workers and alleviates responsibility from the employer for compensation claims related to workplace injuries, effectively facilitating a system where employees receive prompt medical care and wage support when necessary. Without this insurance, the agency would not only be in violation of the law but also leave itself and its employees vulnerable to significant risks.

In contrast, health insurance pertains to general health needs and is not specifically mandated by law for employers in this context. Professional liability insurance, while beneficial for certain professions to protect against claims of malpractice or negligence, does not cover workplace injuries, which is the primary concern for employers with employees. The option of "no insurance required" misrepresents the legal obligations for PPO agencies operating in California.