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Workers' Compensation Basics

Workers compensation is a type of insurance that pays a portion of the worker's salary and medical care when an injury occurs while working. This compensation is given in exchange for relinquishing the worker's right to sue their employer for negligence.

Making the Most of Workers' Compensation

Workers comp was established many years ago as a benefit-type system that safeguards any worker hurt or injured while on the job. The Department of Labor and Industrial Relations and the Division of Workers Compensation administers the day-to-day operation of the system.

Workers' Compensation Key Terms

If you own a business, particularly in manufacturing or shipping, you may one day have to deal with workers' compensation. You might find it a good idea to familiarize yourself with key terms used in many workers' compensation cases.

Small Business Workers Compensation Insurance | Employers ...

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Workers Compensation – State Farm® - State Farm Insurance

Workers compensation insurance with State Farm can help protect your business and employees in the event of an injury. Click here to find an agent.

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Answers to frequently asked questions about workers' compensation

Q. Do I need to have workers' compensation insurance? A. Yes, California law requires employers to have workers' compensation insurance if they have even ...

Workers Compensation Insurance - Progressive

See how workers' compensation insurance is an essential part of protecting your employees and your business.

Workers Compensation Insurance | Liberty Mutual Group

However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection. Workers compensation ...

Workers' compensation - Wikipedia, the free encyclopedia

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange  ...

Workers' Compensation Insurance - Texas Department of Insurance

Workers' compensation insurance pays medical bills and some lost wages of employees who are injured at work, or who have work-related diseases or ...

U.S. Department of Labor - Find It By Topic - Workers Compensation

Office of Workers' Compensation Programs (OWCP) ... condition not related to a workers' compensation injury or illness and doesn't have health insurance, or if ...

Pasternack Tilker Napoli Bern, LLP

Please contact a workers compensation attorney from our firm to discuss your case today!

www.newyorkworkerscompensationfirm.com

Meeting Workers' Comp Requirements


Workers' compensation insurance covers employees who are injured or become sick during work activities. Most states require businesses to have coverage. Because each state has different policies and procedures, it's important to investigate requirements in every state in which your employees live, work, or travel.

Some states require you to buy coverage through state-operated funds, while others allow you to buy either from state funds or from independent operators. Workers' comp rates are rising faster than those for any other insurance coverage, but there are ways to keep your costs down:

  1. Shop around to find the best coverage for your company
  2. Focus on prevention to keep premiums down
  3. Consider bringing in an outside firm to audit your coverage for savings

Find your state(s) requirements

Requirements vary by state, so make sure you investigate each state where you have employees.

Contact providers

Some states require you to obtain coverage through their state-operated funds, but others allow you to choose your coverage. If your state allows you to choose, ask your other insurance carriers if they offer workers' comp and whether they provide any package deals.

Consider a workers' comp audit

Auditors will check your insurance bills against your internal information to find areas in which you may have been overcharged.

Implement workplace-safety policies and procedures

When it comes to workers' comp, prevention is the best medicine. Establish safety programs and drug-free workplace policies..
Occupational Safety & Health Administration (OSHA) and the National Institute for Occupational Safety and Health (NIOSH) to find information about particular workplace issues, whether it's hazardous substances that your employees regularly come in contact with or health issues that commonly affect your industry, such as carpal-tunnel syndrome.
  • Check with your trade or business association to see if you can get a better rate through them.
  • You might have "employees" that you're not aware of. Investigate any uninsured contractors or subcontractors that you might be responsible for.
  • Ask your insurance company if you can pay as you go, rather than pay in one lump sum. More and more insurance companies are offering this service.
  • Check out discounts for "good behavior." Some carriers offer discounts of 5% to 15% if you have few, small, or no claims in a given year, or if you've implemented workplace safety or drug-free workplace programs and policies.