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Workers Compensation

What Is It?

When you hire employees for your business, it becomes important to make sure that both you and they are sufficiently protected. Accidents while on the job can occur at any moment so it is best to be prepared. Even when you think that your procedures are safe and your employees are trained well, accidents can still occur.
Understanding what workers compensation is and why you need it will make it easier for you to protect your business.

 

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How Does It Work?

If your employee gets injured on the job, they are going to look to you because you are their employer and you are responsible for providing a safe working environment. You would be responsible for their lost wages, their medical expenses, as well as their rehabilitation. Depending on the type of injury, this can add up to a large amount of money.

You don’t want to risk losing your business due to one accident. If you have the right insurance coverage, you could file a claim. It would be the insurance company that provides all of the benefits to your employee and you would only have to pay a deductible.

Major Benefits

When you own a business, workers compensation may be required depending on the number of employees that you have. If you are a high-risk business, meaning that your employees are more likely to get injured due to the nature of the job, it’s a good idea to have the coverage, too.

Dealing with the costs involved of an employee getting injured (or potentially dying) as a result of your work environment is a huge burden. In order to ensure they get the help and support they need while also protecting your finances, you need to explore a policy that is right for your business

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