Workers’ Compensation Insurance Solutions

Safeguarding Your Employees and Your Business

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IT’S THE LAW, BUT

Workers compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job. Workers compensation is like an airbag for your business. When trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

IT’S A GOOD THING FOR YOU AND YOUR EMPLOYEES.

If that sounds like a luxury to you, keep in mind, it’s probably a good thing for your business. Imagine having to pay for a slip-and-fall accident out of your business checking account. Workers comp insurance may also protect you from being sued by employees for workplace conditions, when a court finds your company liable in causing an injury or illness to your employees.

What If It’s Employee Negligence?

Under normal circumstances, fault does not matter in a workers compensation claim. And each state has its own workers compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job. It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, contracted by employees in the course of their work.

Workers Compensation Basics

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees. Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Coverage

Medical bills for employees hurt or sickened at work
Ongoing care, including rehabilitation
Wages missed while recovering
Employee lawsuits over injuries
Funeral expenses, if an employee is killed on the job
Death benefits to support the deceased’s family

It does not cover:

Third-party lawsuits
Lawsuits over professional errors
Wages for a replacement worker
Parental leave benefits
OSHA penalties

Cost

Worried About The Cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

Monthly payment options
Temporary staff coverage
Claims responsiveness
Tailored coverage
Knowledgeable agents
Coverage for contracts

Coverage That Safeguards You Against Unforeseen Events

Even in the most well-run business enterprises, workers get injured – it’s just a fact of business life. Workers’ Compensation insurance provides coverage for medical expenses, lost wages, vocational rehabilitation, and death benefits when employees are injured, disabled or made ill as a result of work duties conducted on behalf of their employer.

Help Prevent Potential Loss
Return Injured Workers To Wellness And Productivity
Manage Cost