Employers have a legal responsibility to their employees to make their workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, businesses are required by law to purchase worker’s compensation insurance. Worker’s compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Worker’s compensation provides payments to injured worker, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Worker’s compensation insurance must be purchased as a separate policy. Although, in-home businesses and business owner’s policies are sold as package policies, they do not include coverage for employee’s injuries.
For more information, please feel free to contact us at 877-9-THE FIG. You can also complete the questionnaire below to be contacted by one of our agents.