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Workers' compensation is a large expense for small businesses. Compensation for injured employees includes medical bills, payments for lost time and damages for any permanent injuries. Read More »
Using workers' compensation insurance, sometimes referred to as "workers comp," is necessary if you're in independent contractor or if you have employees. These laws provide benefits for you or an employee who sustains an injury at work. Read More »
If you’re an employer, workers' compensation insurance is required by law to cover your employees in case they are injured or sick while on the job. All states require businesses to have some sort of coverage, though the extent of the benefits provided may vary depending on your location or industry. Because each state has different policies, as a business owner you should investigate your requirements so that you are providing your employees with an adequate amount of coverage.
Most commonly, worker’s compensation insurance covers all types of pain or suffering caused while on the job. The amount of payment or wage replacement the worker receives is based on the severity of the injury as well as their ability to find new or temporary employment while in partial capacity. According to the Bureau of Labor Statistics, nearly 3 million nonfatal workplace injuries and illnesses were reported by private industry employers in 2011.
Whether you’re covered or not, consider hiring a workplace safety professional to assess high risk areas.
Some states require you to buy your worker’s comp coverage through state-operated funds, while others will allow you to buy from independent insurance companies. Worker’s comp rates are rising faster than any other insurance coverage, but there are ways to keep your costs down while still getting the coverage you need.
When it comes to cutting back on worker's compensation costs, prevention really is the best medicine. By establishing safety training programs and keeping your workplace up to date with regulations, you can reduce both your premium amount and your risk level.
Though the definition of “work-related injury” tends to fluctuate between states, some type of worker’s compensation coverage is required throughout the US. Be sure you understand the requirements of your area, and invest in a policy that will give your employees the right type of coverage. Be sure not to cut corners simply to get the best deal, as paying off a big lawsuit could be devastating to any business.
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Finding the right insurance for your workers is essential to any business. Workers compensation insurance covers the medical bills and cost of living for employees who are injured on the job. Most states require businesses to carry workers compensation insurance. Businesses – and small businesses in particular – need to be sure they have adequate coverage to protect their business and workers in the event of a workplace injury.
You have a number of options when choosing the workers compensation insurance that is right for your company. The size of your company often makes a difference, as well as the risk level of the business and the number of past claims. Look for insurance provider who will offer a good price, but who will also provide the coverage you need.
Any insurance company you utilize should have experience working with businesses that are similar to yours in matters of size, work type, and industry. Always investigate a company's reputation before purchasing insurance from them, and make sure to put the safety and well-being of your employees ahead of all other factors.