Workers' Compensation

Businesses purchase Workers' Compensation Insurance to cover their employees in the event they are injured at work.  

Workers’ compensation insurance is regulated on a state-by-state basis and is generally mandatory for all businesses.  Workers’ comp is invaluable to your clients who own businesses for providing financial protection in the event of a job-related accident or illness.  Workers' compensation insurance serves two purposes for your client's business: it assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work, and it protects the employers from lawsuits by the injured worker. 

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What Injuries Are Covered?

If your client is covered by Workers' Compensation Insurance, this means the injuries sustained by their employees on the workplace premises or anywhere else while the employee is acting in the “course and scope” of employments are covered.

In addition to injuries sustained from accidents, Workers' Comp also covers injuries employees may sustain from other events while they are working such as workplace violence, terrorist attacks, and natural disasters.

Workers' Comp covers:

  • Lost wages for injured employee
  • Medical expenses for injured employee
  • Legal protection should the employee opts to file suit