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Information that helps you plan, prepare and protect.
Worker's Compensation and Employers Liability Coverage – Workers’ compensation insurance provides critical financial protection for your small business. In fact, it’s so important that most states require business owners carry it the moment they hire their first employee. Workers’ compensation insurance is a strategic investment that protects business owners, and the companies most important asset their employees.
Worker's compensation benefits include employee compensation for lost wages, medical treatment, and death benefits payable to the dependents of worker's killed in the course of employment. These benefits also help cover expenses related to ongoing medical treatment like follow-up appointments or a physical therapy regimen. However, these policies generally do not include damages for pain and suffering or punitive damages for employer negligence.
Worker's compensation insurance helps protect employers from potential lawsuits. Part B covers employer liability in case of injury to an employee due to employer negligence. damages. Some worker's compensation carriers also provide value added benefits such as fraud prevention support, workplace safety tools, and managed care services, which can help injured worker's experience minimal downtime and return to work.
Part Three of the worker's compensation and employer’s liability policy provides other-states insurance coverage. For example, if an employee is injured while on a business trip in a state that was not considered when the worker's compensation policy was first written, or if the law of a particular state is broadened so that employees are now covered under the state’s worker's compensation law. In addition, a firm’s operations may be expanded into another state, which brings the employees under that state’s worker's compensation and law.
Simple. Smart. Insurance protecting what matters
It’s not cost-effective for an employer when their employees get hurt. As a result, most of the time, employers go out of their way to enforce safety standards and regulations to protect their workers. This might include making employees wear gloves, non-slip or steel reinforced footwear, or they may place warning signs in hazardous areas. However, despite their best efforts to prevent workplace accidents it still happens. If you were injured in a slip and fall accident, report it to your employer immediately.
This happens when something falls from a higher level onto an employee. It is a very common accident in construction zones when flooring and roofing are not yet in place and materials are being lifted to upper areas. When falling from great heights, objects as heavy as concrete or as seemingly benign as a dropped pen can cause serious or even fatal injuries.
Machinery accidents are typically reported in cases where large, heavy machinery has injured workers by crushing or mutilation. Most commonly seen in factories or at construction sites, these accidents can be followed by huge medical costs. Many states have enacted laws that require training for employees before allowing them to operate equipment, along with maintenance requirements for machinery to keep it in safe working order. Keeping employees up-to-speed on equipment, along with keeping that equipment maintained, are two important factors in protecting employees from injury and avoiding all that comes with it.
Nearly 2 million American workers experience workplace violence each year. According to OSHA, health care and social service workers such as visiting nurses, psychiatric evaluators, and probation officers; community workers such as gas and water utility employees, phone and cable TV installers, and letter carriers; retail workers; and taxi drivers are all at higher risk to experience workplace violence.
Chemical exposure occurs when the body is exposed to dangerous chemicals like asbestos, lead, benzene, pesticides, cadmium, beryllium, mercury, silica, paint, solvents, and acids. Injuries due to exposure to certain harmful chemicals can include burns, rashes, throat and lung injuries, and even more dangerous consequences like neurological injuries. Employers who put employees at risk of chemical exposure should require proper safety attire including goggles, gloves, helmets, body suits, and having proper means of ventilation.
You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.
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