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Protecting your employees is crucial no matter what type of business you have. We are here to help you find the right coverage to ensure that your team is taken care of if the unexpected happens. Workers’ compensation insurance, also known as workman’s comp, provides benefits to cover employees who get injured or sick from a work-related incident.
What Does Workers’ Comp Cover?
If your employee suffers a work-related injury or illness, workers’ compensation benefits can help cover their:
- Medical expenses
- Lost wages
- Ongoing care costs
- Funeral expenses
Workers’ comp insurance provides coverage to help your employee pay for medical expenses related to a work-related injury or illness. This can include emergency room visits, necessary surgeries, and prescriptions. For example, if one of your electricians cuts their hand at a customer’s home, workers’ compensation insurance can help cover their hospital visit.
Workers’ comp helps replace some of your employee’s lost income if they need time off to recover from a work-related injury or illness. So, if your restaurant chef spills a pot of boiling water on her arm and cannot work for two weeks, workers’ compensation coverage can help replace some of her lost wages.
Some work-related injuries or illnesses can be so severe that they need more than one treatment. For example, if your warehouse employee hurts their back while lifting heavy boxes, workers’ comp insurance can help cover their ongoing care costs, like physical therapy.
In the unfortunate event your employee loses their life from a work-related accident, workers’ compensation coverage can help cover their funeral costs and provide death benefits to your employee’s beneficiaries.
Let our agents help you understand your state’s requirements by law for your business and protect your most essential assets.
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