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.
"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"
—Linda Chern Zvitkovitz
"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"
"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."
—Meg Bates Jones
"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"
—Meg Bates Jones
—Grace M. Manger