Workers’ Compensation

Workers’ compensation provides wage replacement and medical benefits for employees who suffer a work related injury. It also protects employers from potentially liabilities as a result of an employee getting injured on the job.

Workers’ compensation policies generally provide a number of provisions such as weekly payments for lost wages, reimbursement or payment of medical or like expenses, benefits payable to an insured’s dependents in the event the insured is killed during employment, or compensation compensation for economic loss.

Here are some key aspects of workers’ compensation

Workers’ compensation helps protect one of your most valuable assets – your employees

If they are injured while working for you, workers’ compensation will take care of their medical bills and pay their lost wages while they heal. Workers’ compensation will help get your employee back to work as soon as possible.

Workers’ compensation is portable

If you have workers that travel across state lines, double check that your workers’ compensation policy is written correctly. It is possible for workers’ compensation coverage to follow and protect employees that cross state lines. Since worker’s compensation requirements vary state by state, coverage can be declined if the policy is not written properly.

You can positively affect your premium

A good, aggressive, active safety program can not only keep your employees safe – but will keep your costs down. The better you control accidents, the lower your experience modification and monthly workers’ compensation premium payment will be.