Cover your organization and employees with workers’ compensation insurance.
Businesses have a legal obligation to provide a safe work environment for employees. Unfortunately, there is no surefire provision to keep all your workers safe on the job. You can protect yourself and your staff by purchasing a workers’ compensation policy. Our workers’ compensation insurance is designed to protect you and your employees from financial ruin due to work-related injuries.
About Workers’ Compensation Coverage
It’s a law in Connecticut that if you have employees, you must carry workers’ compensation insurance. Without the appropriate plan, you put your company at risk for financial loss and criminal charges. We’ll help you understand your rights as a business owner and those of your employees, in the event they are injured or become ill while working for you.
Businesses obtain workers’ compensation coverage from two sources: Private insurance companies or state-funded programs. While general liability covers injured third parties on your property, including customers and clients, it doesn’t extend to your staff. For this reason, workers’ compensation provides coverage for various on-the-job injuries, but not limited to:
- Lifting and equipment-related injuries
- Slips and falls
- Injuries related to fires, explosions and chemical exposure
- On-the-job auto accidents
- Carpal tunnel and other repetitive motion injuries from computer or machine use
In these situations, your policy assists with costs concerning:
- Medical treatments related to injuries or illnesses stemming from work duties.
- Lost wages, when treatment results in time away from work.
Many business owners are concerned that employees may abuse or misuse workers’ compensation to pay out unrelated healthcare costs or to take time off from work. For these reasons, your policy excludes claims regarding:
- Injuries on the job not related to the employees’ duties or environment.
- Intentional on-the-job injuries, such as staged slip-and-fall incidents.
- Injuries that occurred off the job.
- Injuries related to intoxication and substance abuse.
For sufficient and appropriate coverage, your policy rates factor in:
- The state where you’re doing business
- The number of on-staff employees
- Your industry and its inherent dangers
- Your employees’ responsibilities
- Payroll for employees and subcontractors
- Payroll classification
- Claims history
Workers’ compensation does not act as an impermeable barrier against lawsuits. Whether injured, fired or simply fed up, staff and contractors can still pursue legal action for a range of issues, including:
- Unsafe working conditions
- Discriminatory termination
- A hostile work environment
- Inadequate workers’ compensation coverage
- Refusing to provide appropriate PPE or training
In these instances, a liability insurance policy may assist with related court costs and legal fees.
Obtaining Workers’ Comp Coverage
Even if you have a commercial insurance package, workers’ compensation must be purchased as a separate policy, providing your company and employees with the following:
- Medical expenses
- Lost income/wages
- Rehabilitation costs
- Death benefits
- And more…
Save your business from costly lawsuits and employee issues. Workers’ compensation insurance protects you and your employees.
Contact us for a free Workers’ Compensation quote today!