Workers Compensation Insurance

Comply and Protect

Workers’ compensation insurance is not just mandated by law for most businesses, but is the smart choice, to protect your business from the huge costs that a medical claim, or medical lawsuit, could bring. Though no one hopes to have to use it, this insurance provides peace of mind for both employers and employees.

Workers’ compensation insurance covers both a portion of the lost wages, and medical costs incurred by employees who are injured or become ill on the job. It is a guaranteed protection for employees who lose wages or have medical expenses, regardless of whether the accident was caused by the employee’s negligence.

Workers’ compensation insurance will cover workplace accidents like slips and falls at work, injury from lifting or moving objects, fires, and explosions, as well as occupational diseases (like carpal tunnel syndrome) from work-related activities.

Workers’ Compensation Insurance traditionally covers:

• Medical bills for employees injured or who become ill at work.
• Rehabilitation, physical therapy, or other ongoing care.
• Partial wages lost by missing work.
• Employee lawsuits over injuries (through Employer’s Liability Insurance).
• Funeral expenses, if death occurs during work.
• Death benefits to the deceased’s family.

It does not cover:

• Third-party lawsuits.
• Lawsuits over professional errors. (E&O insurance covers this)
• Parental leave benefits.
• OSHA regulatory penalties.

See why our Harford County insurance team is your best choice for handling your workers’ compensation insurance by learning more about us here.