Workers Compensation Insurance
Workers compensation insurance is a no-fault insurance program. As an employer you pay for workers compensation insurance and in return your business is covered for work-related accidents. This insurance protects you, as an employer, against lawsuits arising from workers who are injured on the job or who develop work-related illness, whether it occurs on your workplace premises or elsewhere, including cases of business-related traffic accidents. Workers comp coverage applies regardless of who was at fault.
Workers compensation insurance is required by law in almost every state. Each state’s rules and requirements may vary significantly. The insurance professionals at Linda A. Christ Insurance can help you understand these and other details, so that you not only follow your state’s laws, but make sure your business and employees are adequately covered and protected.
What does Workers Comp Insurance include?
Workers compensation coverage can help pay for doctor, medical, and hospital bills. It will help make up for lost wages and cover rehab and other expenses. If an employee is unable to return to their current position, workers comp insurance may include training with new skills for a new position. If your employee can’t return to work at all, it will pay a long-term disability benefit. If an employee dies due to a work related accident, it will pay an insurance benefit to their family.
It is important to remember that your business liability insurance package does not include workers compensation. It is necessary to carry a separate policy for Workers Compensation insurance.
Contact us today
If you’ve just hired your first employee, you might be wondering what you are required to do, by law, and what your options might be. If you are a seasoned business owner, you might wonder if you are getting the best rates and the right coverage. Our knowledgeable and experienced agents at Linda A. Christ Insurance are here to educate you about this critical coverage and put together a workers comp package that protects both your business and your employees. Call us today and let a Linda A. Christ Insurance agent create a tailored, multi-covered Workers Compensation Insurance solution that meets the specific needs of your business.