Workers' compensation insurance shields both employees and employers from potential liabilities linked to workplace injuries and fatalities. This coverage encompasses medical care, disability benefits, rehabilitation, and survivor benefits, providing support to those affected by work-related accidents.

 

Our expert guidance will ensure your comprehension of relevant regulations and assist in pinpointing coverage options that mitigate liability risks for your organization. By meeting compliance requirements and exploring cost-effective solutions, you can safeguard your employees adequately, ensuring they receive the protection they deserve.

 

Workers' compensation insurance covers injuries and illnesses sustained by employees during their employment, encompassing:

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• Medical bills

• Disability payments

• Rehabilitation and recovery costs

• Partial missed wages

• Funeral costs and survivor benefits

 

In addition to providing coverage for workplace injuries, workers' compensation insurance also extends to cover an employer's legal defense expenses and settlements/judgments in the event an employee files a lawsuit for a workplace injury that is ineligible for workers' compensation benefits.

 

However, it is important to note that workers' compensation insurance has limitations, and not every workplace injury is covered. Coverage may be denied if any of the following conditions apply to the injury:

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• Originated outside the workplace

• Self-inflicted

• Resulted from a fight started by the employee

• Related to a felony

• Claimed after an employee is terminated or laid off

• Caused while the employee was under the influence of drugs or alcohol