Workers Compensation – If you employ workers, then it is mandated by the Government that you maintain a policy of workers compensation in force for your employees. Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.
Workers’ compensation insurance can help protect your business and employees in events such as these:
- An employee slips on ice, injures himself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time.
- An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
- An employee returning to the office from visiting a client is injured in a car accident and requires hospitalization.
With workers’ compensation insurance will help pay for the medical expenses needed to treat these job related injuries and illnesses. Workers’ compensation will also help employees keep their income while they take time off to recover.
Am I required to have Workers’ Compensation Insurance?
Workers' compensation insurance is required by law in most states and each state's requirements can vary significantly. Specialists at InsureMart can help explain the specific obligations required by each state and help ensure businesses get the coverage they need.
How Workers’ Compensation works.
When employees suffer a work related injury or illness, Workers' Compensation protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.
We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can't return to work, the coverage can provide a long-term benefit.
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*Coverages may vary by state and by insured business. Consult your InsureMart Inc. agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.