Workers CompensationCommercial Insurance
Accidents Happen are You Ready for Them?
On-the-job injuries or resultant illnesses can be costly. Not having proper coverage against these expenses means you could be taking a big financial risk. You can cover the cost of medical expenses and disability payments with Workers’ Compensation insurance.
Workers’ Compensation insurance policies actually provide two types of protection. One covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. The other provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases.
Typically, Workers’ Compensation will pay for:
- Medical benefits for job-related injury or disease
- Disability income benefits, including compensation for lost wages
- Rehabilitation benefits to help an injured worker return to productive work
Protect Your Employees and Yourself
Required by law in most states, workers compensation policies provide coverage for your employees in the event of a job-related injury or illness. Payment of employee medical bills and lost wages are made regardless of how the injury or illness occurs. In most states, coverage is also available for the owners, directors or officers of the business. Employers liability provides coverage in the event that an employer is sued for damages arising out of employment-related injury or illness, and claims alleging that the employer’s negligence caused the injury or illness.