Workers Compensation Insurance

Keeping your employees safe at work is vital.

Should an employee suffer an injury while on the job, workers compensation insurance coverage provides your employees with medical protection they need, and provides you with peace of mind that they’ll be covered.

It’s the law, but…

Workers Compensation Insurance is often mandatory for many businesses, especially if they have employees. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

Some general contractors may require a Workers Compensation policy of their subcontractors, even for sole proprietors with no employees.  

Without this valuable insurance protection, your business is left unprotected when your employees are injured while on the job.  

It’s a good thing for you, and your employees.

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

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 by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.

Contact Consultative Insurance Group to learn more about how Workers Compensation Insurance would benefit your business.  

Workers' Comp Insurance Basics

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.

Examples of injuries which 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 (through Employer's Liability Insurance).
  • 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 To Expect 

We specialize in covering local businesses like yours. We have everything you need right here, including:

  • Coverage of temporary staff, full-time employees, and independent contractors
  • Claims responsiveness 
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents 
  • Coverage for contracts 

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

Our Consultative Insurance Group team of professionals help protect your business by always looking for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.