Workers' Compensation Insurance

We understand that your employees are your most important asset, and if one were to get hurt on the job, your business could suffer. With workers' compensation insurance, we'll be there for you and your employees.

What is workers' compensation?

Workers' compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

Think of it like an airbag for your business; when trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

Workers' comp insurance may also protect you from being sued by employees for workplace conditions if a court finds your company liable in causing an injury or illness to your employees.

What does workers' compensation insurance cover?

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Workers Compensation Insurance may cover:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering
  • Employee lawsuits over injuries
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

What if it’s caused by employee carelessness?

Under normal circumstances, fault does not matter in a workers' compensation claim. Each state has its own workers' compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment of employers for some part of the cost of injuries, or in some cases, of occupational diseases, contracted by employees in the course of their work.

Ready to get started with a workers' compensation quote from Saleme Insurance? 

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