WORKERS’ COMP INSURANCE
Worker’s Compensation insurance covers work-related accidents, illnesses, and even death. In the event of an accident, worker’s compensation will protect your employees, while shielding your business from the possibility of liability for employee injuries. Almost every state requires a business to have insurance to cover medical costs and lost wages for injured or ill workers, and if you don’t carry this coverage you could be liable for these costs, which could result in fines or penalties from the state.
What Does Workers’ Comp Cover?
If one of your employees is injured or becomes ill as a result of their job, workers’ comp benefits cover the costs of getting them well and back to work, including:
- Medical expenses
- Lost wages
- Legal fees, in the event of a lawsuit
- Disability benefits
Workers’ compensation doesn’t just benefit your employee, it also protects you from financial losses in the event an employee injury becomes a lawsuit. You can get your employees the care they need to get back to work while protecting your business from headaches and costly lawsuits.
Prevent accidents from happening by emphasizing a culture of safety, and be prepared for accidents with workers’ compensation insurance so you can take care of the people who work hard for you.
Examples of Workers Compensation Claims:
- Slips, trips or falls
- Struck by, or against, objects
- Machinery accidents
- Workplace violence