Workers Compensation Insurance

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.

Workers’ comp insurance may also protect you from being sued by employees for workplace conditions, which a court finds your company liable in causing an injury or illness to your employees.

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, received by employees in the course of their work.

WORKERS’ COMP INSURANCE BASICS

Since workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job, the scope of the coverage of the policy is limited to duties performed by employees.

Workers’ Compensation Insurance may cover:

• Medical bills for employees hurt or sickened at work.
• Ongoing care, including rehabilitation.
• Wages missed while recovering (often partial).
• Employee lawsuits over injuries (through Employer’s Liability Insurance).
• 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.

• Save Time
• Avoid Mistakes
• Reduce Audit Headaches

Make it simple with our pay as you go option for workers compensation. For more information on our Payroll Services, click here.

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

• Monthly payment options to help spread out your payments so you can better manage your cash flow
• Coverage of temporary staff, full-time employees, and independent contractors
• Claims responsiveness when time is of the essence, especially in the event of an insurance claim
• Tailored coverage for the specific risks of your field and industry
• Knowledgeable agents who provide exceptional, passionate service
• Coverage for contracts satisfying most standard contract insurance requirements