Workers’ Compensation

Workers’ Compensation insurance protects businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work-related cause. 

What It Covers

Workers’ compensation may pay benefits for:

  • lost wages for periods when an injured worker is unable to work and recovers from his work-place injury;
  • medical expenses to treat the worker’s injuries;
  • vocational rehabilitation costs to assist an injured employee to return to work;
  • Death or Disability benefits for workers killed or severely disabled from work related accidents.

In many states it is a compulsory legal requirement for businesses with even one employee to obtain workers’ compensation insurance coverage.

Disclaimer Notice

This basic information has been prepared as information only. The actual insurance policies are subject to definitions, duties, exclusions, limitations, and various other terms and conditions. This information does not amend, extend, or alter the coverage afforded by the actual insurance policies.

Workers’ Compensation Advice For Employers:

  1. Understand your Workers’ Compensation coverage, what it is, and how workers’ injury claims are processed, and the extent of benefits provided.
  2. Require employees that experience workplace injuries to report their injuries to their supervisors promptly.
  3. Understand the impact of claims on your workers’ compensation premium costs and your company’s experience modification factor.
  4. For jobs that are primarily white collar, make sure that desks and computer work stations are set-up ergonomically to minimize carpal tunnel injuries.
  5. For jobs that require extensive travel, make sure employees have safe driving records and valid driver’s licenses, and follow safe driving guidelines.
  6. Monitor all workers’ compensation claims and be aware of the signs of workers’ compensation fraud.
  7. At the expiration of your workers’ compensation policy make sure that the payroll audit forms sent to you by the insurance company are accurately and promptly completed to ensure premium charges are correct.

Questions about Workers’ Compensation Coverage?

Our experienced staff is ready to help you today.

(800) 344-7335