Workers’ Compensation 101

Workers’ Compensation can be a confusing topic, but as an employer you are required to purchase insurance that protects your employees from work related injuries or sicknesses. Employees receive these benefits no matter who is at fault and in return, employers receive protection from any lawsuits. Each state has varying workers’ compensation laws and regulations but the main factor is the rate paid to injured employees.

What Workers’ Compensation Covers:

  • Work-related injury or illness. 
  • Sudden falling
  • Computer-related stress injuries (RSIs)
  • Illness resulting from exposure to work place chemicals, pollution, or radiation
  • Carpal tunnel

What Workers’ Compensation Doesn’t Cover:

  • Injuries caused when under the influence of alcohol or drugs 
  • Self-inflicted injuries
  • Injuries from a fight that was started by the employee
  • Injuries resulting from violated company policies
  • Injuries claimed after employee termination
  • Injuries to an independent contractor

What Benefits Are Available Under Workers’ Compensation:

  • Replacement income if an employee is unable to work
  • Medical expenses – doctors’ visits, surgeries, medications
  • Vocational Rehabilitation Benefits

Contact Warrior Insurance and Services Group for all of your commercial insurance needs. We are available around the clock to help you choose the right amount of coverage for your workers’ compensation policy.

 

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