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Workers Compensation Information
Does your business need Workers' Compensation insurance?
Workers compensation laws were created to ensure that employees who sustain an injury on a job site are provided with compensation for their injuries.Providing this type of coverage helps to reduce or eliminate the need for litigation; plus, it creates an easier process for the employee. Since an injury could lead to serious financial hardships for the employee, it's a needed benefit to make sure your employees have a safe working environment.
In addition to it being a benefit to the employees, it also helps control the financial risks for employers because many states limit the amount an injured employee can recover from an employer. Workers Compensation Insurance is designed to help companies pay these benefits.
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
What is covered under worker's compensation insurance?
Worker's compensation provides:
Payments to injured workers, regardless of who what at fault in the accident
Compensation for lost wages from work
Payments for medical and rehabilitation services
Services to help an employee recover and return to work
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This website is intended to stimulate dialogue about your protection and does not alter or interpret your insurance policies. Always refer to your policy for details about your coverage.