Workers' Compensation Insurance helps take care of your employees if they get hurt or sick on the job. It helps pay for medical bills, recovery, and part of their lost wages—while also protecting your business from costly lawsuits.
Workers' Compensation Insurance
Create a safer workplace and safeguard your employees with workers' compensation insurance that provides the support they need to get back on their feet.
As an employer, you are responsible for ensuring that your employees are protected in the event of a workplace injury or illness.
Workers' compensation insurance is designed to provide financial assistance and medical benefits to employees injured or ill due to workplace conditions.
At our Insurance Agency, we understand that every business has unique needs regarding workers' compensation insurance. That's why we offer customized policies tailored to meet your business's specific needs.
Coverage Benefits Our workers' compensation insurance policies provide coverage for a range of benefits, including
Medical Expenses
Covers the costs of medical treatment, including hospital stays, surgeries, prescription medications, and rehabilitation services.
Disability Benefits
Provides financial support to employees who cannot work due to workplace injury or illness. Disability benefits can be temporary or permanent and partial or total.
Death Benefits
Provides financial assistance to an employee's family who dies due to a workplace injury or illness.
Legal Costs
Covers the legal costs of defending against workers' compensation claims.
Other Benefits
Our policies can also include coverage for vocational rehabilitation, occupational disease, and more.
Benefits of Workers' Compensation Insurance There are many benefits to having workers' compensation insurance for your business, including the following
Protection
Workers' compensation insurance protects your employees and your business in case of a workplace injury or illness. It provides financial assistance to your employees and shields your business from lawsuits.
Compliance
Most states require employers to carry workers' compensation insurance. By carrying a policy, you can ensure you comply with state laws.
Peace of Mind
Knowing that your employees are protected can give you peace of mind, allowing you to focus on running your business.
A painter falls off a ladder while working on a ceiling and breaks a leg. His workers’ compensation policy pays for the ambulance ride to the hospital, surgery, medications, and physical rehabilitation.
Solution
When an accident happens at a workplace, workers’ compensation covers the cost of immediate care, such as an ambulance ride or an emergency room visit. It also helps pay for surgical procedures, medications, hospital stays, and ongoing care.
Compensation for fatal injuries coverage
Risk Factors
An electrician accidentally touches a live wire, goes into cardiac arrest, and dies. The electrical company’s workers’ comp policy covers the cost of the funeral and burial. It also provides financial support to the electrician’s spouse and children.
Solution
When a work-related incident is fatal, workers’ compensation pays death benefits that cover funeral expenses and help support the deceased individual’s family.
Lawsuit coverage
Risk Factors
A chef in a restaurant suffers third-degree burns while trying to put out a grease fire. She blames the restaurant for failing to provide a fire extinguisher and adequate safety training. The case goes to court; the restaurant's workers' comp policy pays for the cost of hiring a lawyer and the eventual settlement.
Solution
Workers' compensation insurance typically includes employers' liability insurance. This policy protects the employer from a lawsuit claiming a worker was injured by the employer's negligence. If an employee sues, it can help pay for the attorney's fees, court costs, settlements, or judgments.
Lost income coverage
Risk Factors
An HVAC installer accidentally lowers an air-conditioner unit on his foot and breaks several bones. The installer has to stay off his feet for a month, which prevents him from working. The installation company’s workers’ comp policy pays part of the wages that would have been earned during the month of missed work.
Solution
A serious injury can prevent an employee from returning to work for days, weeks, or even months. Workers’ compensation often pays for part of the wages lost while an employee is recovering from a workplace injury or occupational illness.
Rehabilitation coverage
Risk Factors
Your disabled employee may also receive a Transferable Skills Analysis. This helps find other roles for them where they can learn new skills and work with their disability.
Solution
Workers’ comp can help cover your employee’s ongoing care. This includes ongoing physical therapy or vocational rehabilitation to help them learn new skills to return to work in a different role. Workers’ comp can even help cover any further training and certifications.
