Workers’ Compensation Insurance

No matter how safe your workplace is, accidents happen. From a sudden slip-on-the-floor injury to a chronic strain that develops over years of repetitive labor, workplace injuries can disrupt both an employee's life and your business operations.

Workers’ compensation insurance is a mandatory, state-regulated insurance program designed to provide financial and medical peace of mind. It ensures that employees who get hurt or become ill because of their job get their medical bills paid and a portion of their income replaced, while simultaneously protecting your business from costly personal injury lawsuits.

Core Benefits: What Does It Provide for Employees?

A standard workers' comp policy steps in immediately following a workplace injury or illness to cover the core costs of recovery.

• Medical Treatment: This pays for all necessary medical care related to the injury, including emergency room visits, doctor appointments, surgeries, prescription medications, and medical devices.

• Lost Wages (Disability Benefits): If an employee needs time off to recover, workers' comp replaces a significant portion of their lost income (typically around two-thirds of their regular gross wages) until they are cleared to return to work.

• Rehabilitation Costs: This covers physical therapy to help employees regain their strength, as well as vocational rehabilitation if an injury prevents them from returning to their previous role and requires them to train for a new position.

• Death & Survivor Benefits: In the tragic event of a fatal workplace accident, the policy provides financial support to the employee’s spouse, children, or dependents to help cover funeral expenses and ongoing lost financial support.