Worker’s Compensation Basics

The purpose of Worker’s Compensation Insurance is to cover the costs associated with any workplace injury or illness that occurs on the job. This type of insurance will typically provide medical care, disability benefits, and death benefits in case a worker passes away due to a work-related incident. These types of policies are regulated by each state, so the coverage and benefits will vary.

Who Qualifies for Worker’s Comp?

Any worker that is employed by a business in the United States, including part-time workers, may be eligible to receive benefits from Worker’s Compensation Insurance. In addition, depending on the state, some independent contractors or volunteer workers may also qualify.

Benefits Provided

The amount of benefits provided by Worker’s Compensation Insurance varies from state to state. Generally, it will cover medical costs such as doctor visits, hospital stays and medication. It may also provide disability payments based on the severity of the injury or illness, and death benefits if a worker passes away due to a work-related incident.

In addition, Worker’s Compensation Insurance may also provide rehabilitation services to help workers get back on their feet after a workplace injury or illness. These services can include physical therapy, job training and counseling.

Why Is Worker’s Comp Important?

Worker’s Compensation Insurance is an important way to protect both your business and employees in the event of a workplace injury or illness. Without it, your business could be liable for any costs associated with an employee’s workplace injuries and illnesses, which can be costly.

Assistance with Workers Comp Insurance

We can help you build a worker’s comp policy to cover your employees while ensuring that your premiums are affordable. Call our offices or click the quote button for a no-cost consultation to let our team answer your questions and guide you through the process.