Workers Compensation

Workers’ Comp insurance is carried by many businesses. This type of insurance covers medical costs and a portion of lost wages for an employee who is injured becomes injured or ill on the job. Workers’ Comp insurance also protects companies from being sued by employees for workplace conditions that can cause an injury or illness.

Medical Cost Coverage – If your employee has to get medical treatment resulting from an injury on the jobsite, you are covered. Even if you offer medical insurance, Workers Comp is worthwhile because it keeps your medical insurance premiums from going up .

Rehab Costs – If your employee is injured and needs physical rehabilitation, your workers compensation policy will step in to pay. Even the smallest injury can be permanently debilitating if it’s not treated correctly, and that often means rehab.

Lost Wages – Workers Compensation coverage can offset the lost wages of an injured employee. As a good employer, you don’t want your injured workers starving while they are laid up – and if you are like most business owners I know, you don’t want to pay for someone who isn’t actually making you money.

Illness coverage – If your employee becomes ill while on the job, as a result of the work they are doing, you are covered by your workers compensation policy. As long as you are following all safety rules, you are covered and can sleep soundly knowing that your workforce will be taken care of should something unexpected happen on the job.