If you’re a business owner, you know that accidents happen. If employees get injured at work, having Worker’s Compensation insurance saves you time and money by taking care of their medical bills and lost wages with no out-of-pocket costs to you.
What Should I Know About Worker’s Comp?
Almost every state requires worker’s compensation coverage for employees, which means you probably already have a policy or you’re thinking about getting one. Before you do, you should take a moment to consider the basics.
Remember that State law determines what kinds of injuries are covered. For instance, your state might only cover employees hurt on the job, or it may also extend coverage to people who fall ill from working with hazardous materials.
You’ll also need to decide how much coverage you need, the percentage of medical bills that you will pay, and whether or not you will allow employees to seek treatment from their personal doctors.
Finally, make sure you choose a reputable insurance company with good customer service. The last thing you want is to be stuck paying your employees’ medical bills because your insurer went belly up.
The good news is that our team is ready and waiting to help you navigate the maze of worker’s compensation and find a policy that will make you and your employees safe and happy. Click below to contact us today, consultations are always free!
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