Workers' Compensation Insurance
If you've hired a receptionist, office manager or other employee, state law may require you to have workers' compensation insurance to cover work-related injuries or illnesses. Whether or not your state requires workers' compensation insurance, you may still want to consider this valuable coverage.
Why is Workers' Compensation Insurance Important
Employers are legally obligated to take reasonable care to ensure that their workplaces are safe. But accidents happen—and that's when workers' compensation insurance provides coverage.
Workers' compensation policies provide two types of coverage:
- Benefits for injured workers regardless of who is at fault for the injury or illness. This is subject to state law and may include medical expenses, lost wages and rehabilitation costs.
- Protection for employers who are sued for damages arising from employment-related accidents or diseases. The employer must be found legally responsible for the employee's injury or illness for benefits to be paid under this portion of the coverage.
However, injuries are not just limited to the actual workplace. For example, if an employee is in a vehicle for work purposes (driving to the bank, office supply store, etc.)—whether in a company car or personal vehicle—and sustains an injury, coverage could be provided under workers' compensation insurance. (This doesn't include driving to and from work.)
For information about your state requirements, click here.
Or contact one of our agents to discuss your specific situation.
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