Insurance for

Workers Compensation

Accidents happen. Even if you have a team of world-class employees, mistakes can and will happen during the times when you least expect it. That being said, before a mishap leaves you and your business in a financial mess, you should make sure all your employees are protected.

What Is Workers’ Compensation Insurance?

Basically, it’s a contract between a business and an insurance company, where the insurer will pay for an employee’s medical costs, lost wages, permanent disability or death benefits that result from a workplace injury or illness. In most cases, it also protects a business against lawsuits filed by employees.

Is Workers’ Comp Mandatory?

Yes. There are some exceptions in a few states, but even if it isn’t mandatory, a worker’s comp policy is highly recommended. You wouldn’t want one little whoopsie to crush your big business dreams, would you?

Why Do I Need Workers’ Comp?

If an employee were to injury themselves, workers’ comp can save your company from crumbling to the ground in a number of ways, but if you like living on the edge and fail to provide adequate coverage you could face a giant world of hurt.

Workers Compensation Insurance Coverages

Employee coverage will usually include the following:

  • Medical bills and rehabilitation costs
  • Weekly payments in place of missed wages
  • Compensation for past, present and future economic loss due to disability

If an employee dies (knock on wood), their family will usually receive the following:

  • Compensation for funeral costs
  • Legal fees (if the family sues)
  • Death benefits 
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