WORKERS COMPENSATION

Worker’s Compensation Insurance (often called Workers’ Comp) is a type of business insurance that provides wage replacement and medical benefits to employees who suffer work-related injuries or illnesses. In return, employees typically relinquish the right to sue their employer for negligence. 

• Covers Medical Expenses: Pays for the employee’s medical treatment, rehabilitation, and ongoing care related to workplace injuries.
• Replaces Lost Wages: Provides a portion of the employee’s income while they recover and are unable to work.
• Includes Disability Benefits: Offers temporary or permanent disability coverage if the injury results in partial or total disability.
• Death Benefits: Provides financial assistance to dependents if a work-related injury or illness results in death.
•  Legal Protection for Employers: Helps protect the business from lawsuits arising from employee injuries.

For Employers:

• Reduces legal liability
• Ensures compliance with state laws 
• Promotes a safe work environment 
• Enhances employee trust and morale 

For Employees:

• Covers medical and rehabilitation costs 
• Provides income during recovery
• Offers job security and peace of mind  
• Covers long-term disability if needed