Workers Compensation Insurance

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As a responsible business owner, ensuring the safety of your employees at work is a top priority. However, accidents and injuries can still happen, which is why having workers compensation coverage is essential. Not only does it provide your employees with the protection they need, but it also gives you peace of mind.

Compliance with the Law: Understanding the Importance of Workers Compensation Insurance

Workers compensation insurance is often required by law for businesses with employees, regardless of the nature of the job. It covers medical expenses and a portion of lost wages for employees who are injured or fall ill while on the job. Think of it as an airbag for your business - it deploys when trouble strikes, helping your employee get back to work as soon as possible and minimizing the impact on your business.

While you may view workers compensation insurance as an unnecessary luxury, it can actually be a wise investment for your business. Just imagine having to pay for a slip-and-fall accident out of your business checking account - the costs could be substantial. Workers comp insurance not only protects your employees but also shields you from potential lawsuits by employees for workplace conditions when your company is found liable for causing an injury or illness.

Dealing with Employee Carelessness: How Workers Compensation Insurance Can Help

You may be wondering what happens if an injury is caused by employee carelessness. In most cases, fault does not matter in a workers compensation claim. Each state has its own workers compensation system, which is a mandated program designed to compensate employees who are injured in a workplace accident or become ill due to their job. It ensures that employers bear some of the costs of injuries or occupational diseases contracted by employees while performing their work duties.

Back to Basics: Understanding Workers Compensation Insurance Coverage

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Workers Compensation Insurance may cover:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering
  • Employee lawsuits over injuries
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

Worried about the cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

  • Monthly payment options 
  • Temporary staff coverage 
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 
  • Coverage for contracts 

Discover Solutions for Cost Concerns with Perry Insurance Group

As a business owner, managing costs is always a top priority. At Perry Insurance Group, we understand your concerns, and we are here to help. With our specialized coverage options for local businesses like yours, we can provide tailored solutions to address your cost concerns.
Flexible Payment Options: We offer monthly payment options that fit your budget, allowing you to manage your cash flow effectively.

Temporary Staff Coverage: We understand that your workforce may fluctuate. Our policies can include coverage for temporary staff, ensuring that your business is protected no matter the size of your workforce.

Responsive Claims Handling: In the unfortunate event of a claim, our team of experienced claims handlers is dedicated to providing prompt and efficient service, minimizing disruptions to your business operations.

Tailored Coverage: We believe that every business is unique. Our knowledgeable agents will work closely with you to understand your specific needs and customize a coverage plan that suits your business requirements.

Expert Guidance: Our experienced agents are always available to provide expert guidance and answer any questions you may have about your insurance coverage, ensuring that you are well-informed and confident in your choices.

Coverage for Contracts: We understand that contracts may require specific insurance coverage. Our policies can be tailored to include coverage for contracts, providing you with the peace of mind you need when entering into business agreements.

Choose Perry Insurance Group: Trustworthy Protection for Your Business

When it comes to protecting your business, trust matters. Perry Insurance Group has a proven track record of serving local businesses with professionalism, expertise, and exceptional customer service. Let us be your trusted partner in providing cost-effective solutions for your insurance needs. Contact us today to learn more and discover how we can help safeguard what matters most to you.