When accidents and injuries occur on the job, the medical needs and expenses of your employees should be quickly addressed in order to help them cover the costs and get back to work as soon as possible.
Why do you need workers compensation insurance?
Workers comp insurance is required by law in almost each and every state. This type of insurance was created to guarantee payment by employers for the cost of injuries of occupational diseases, cost accrued by employees in the course of their work.
Workers compensation insurance is also designed to protect your business from being sued by employees for workplace conditions that can cause any type of injury or illness.
What does workers comp insurance cover?
Workers’ comp insurance covers only injuries or illnesses that may occur as a result of duties or activities performed on the job or while at work. For example, a workers comp insurance policy will cover injuries caused by lifting a heavy load, slipping on a wet floor, getting burn due to an explosion or a heavy object falling on the employees hand. Workers comp insurance does not cover injuries that occur while the employee is not at working or not acting within the scope of employment – things like hiking, driving or playing basketball on a day off.
To find out how workers compensation insurance can benefit your unique business and it’s needs, get in touch with us today and one of our agents will provide you with more information, a customized policy and a free price quote.