Workers Compensation Insurance
Whether you need insurance for peace of mind or need insurance to comply with your state requirements, you need an agent who knows YOUR Business and what YOU need to be protected! Each online seller is different. If you have employees, your business faces liabilities every day. The only way to protect your assets is to carry adequate work compensation insurance.
So you have employees: of course, their safety is of huge concern to you, but how do you protect your employees if something does happen to them on the job? You’re faced with the problems of their medical bills, their loss of income, and how to indemnify yourself as quickly as possible. Worker’s compensation (workers’ comp) helps if you have an employee who slips and falls, has back pain due to bending or lifting, gets into an accident while driving on a business errand and is unable to work for a period of time, or if a work-related death occurs.
WHAT IS WORK COMPENSATION INSURANCE?
Workers’ comp insurance provides medical benefits for your employees, from an illness due to the job or a serious injury. Also, it allows for your employee’s to still receive income while they take the much-needed time off to recover. If the workers’ family or employee decides to sue your company, it can also help cover the related legal fees.
HOW DOES THIS COVERAGE WORK?
Your insurance carrier will provide you with medical professionals every step of the way. Their assistance can range from giving you a large list of providers who can offer immediate attention, to providing a nurse caseworker to help with any physical, emotional, or occupational therapy needed along the road to recovery.
Naturally, you’ll be short-staffed if something like this occurs. We will file every claim with care, effectively and efficiently, to get your employees back to work as soon as they can and to get your business back to a steady pace with the least possible cost and risk to you. This is how we maintain effectiveness and ease
DO I HAVE TO HAVE THIS?
Workers’ comp insurance is a state-mandated insurance program. Workers’ Compensation insurance is required by law in most states and each state has its own requirements. We can help explain the specific obligations required by your state.