As a business owner, you go to great lengths to provide a safe workplace for your employees. But unfortunately, accidents can still happen — regardless of the extra precautions you take.
Workers’ compensation insurance is a state-mandated insurance that provides income, medical benefits and rehabilitative services for workers injured on the job or while performing work-related duties. It ensures that injured workers receive financial compensation for medical care and for a portion of the income they lose while they are unable to work. Workers’ compensation insurance also helps protect employers from lawsuits initiated by workers injured on the job.
PART I. WORKERS COMPENSATION
This section of a Workers Compensation policy covers bodily injury by accident that occurs on the job and by disease caused or aggravated by the conditions of employment. For example: A worker falls in the work place due to a spill on the floor of the workspace. Some common benefits available to employees under this coverage are:
- Medical treatment.
- Permanent and temporary disability.
- Loss of income.
PART II. EMPLOYERS LIABILITY
This section of the policy protects employers if they are found civilly liable for employee injuries that arise out of and in the course of employment. Employers’ liability coverage helps protect your business against common-law claims such as:
- Care and loss of services.
- Certain types of third party claims.
- Consequential bodily injury to a family member of the employee.
Be confident in your insurance choices. Contact a Zurita insurance agent today. We’ll work with you to develop a workers’ compensation insurance policy that fits your needs and your budget.