Workers' Compensation Insurance

Keeping your employees safe at work is a top priority for business owners. But when a worker does suffer an injury, workers' compensation coverage provides your employees with the protection they need, and provides you with peace of mind that they’ll be covered.

Workers' compensation is like an airbag for your business. When trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

What is covered under a Workers' Compensation policy?

Since workers' comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers' comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Workers' Compensation insurance may cover:

  • Medical bills for employees who are injured or become ill at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering (often partial)
  • Employee lawsuits over injuries (through Employer's Liability insurance)
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

Do you need Workers' Compensation coverage?

Workers' compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

Workers' comp insurance may also protect you from being sued by employees for workplace conditions, which a court finds your company liable in causing an injury or illness to your employees.

It’s a good thing for you, and your employees.

What about employee carelessness?

Under normal circumstances, fault does not matter in a workers' compensation claim. And each state has its own workers' compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.

We're here to help

We know that insurance can seem overly complicated at times. That's why we're here.

Our team understands that your business' needs are unique, and we will take the time to customize an insurance policy best suited for your situation.

If you have any questions about workers' comp or want to review an existing policy, please do not hesitate to contact us. We are always happy to discuss your options with you.