It’s a simple fact that contractors are at a much higher risk for injuries than people who sit behind desks all day. Do you have the proper Workers Compensation (Comp) policy to protect your employees in the event of an accident? Although your employees may be the most careful, skillful workers out there, no one is immune to accidental injuries, and everyone makes mistakes. Ensuring that you have adequate Workers Comp coverage provides the protection that your employees need if and when an accident does happen.
For contractors, Workers Comp coverage isn’t just a good idea, it’s a requirement by law! Your employees work hard for you and your business, and it’s up to you to make sure that they’re taken care of should the unexpected occur. Worker’s Comp policies provide coverage for:
- The medical expenses related to an injury sustained while on the job.
- Lost wage compensation due to injury-related time off from work.
- Rehabilitation costs and specialist services
- Death benefits
- And more...
If your employee falls off a ladder and breaks his leg, your Workers Comp policy will cover his expenses and provide him with the assistance he needs while he recovers. Even in situations that don’t occur on-site, if your employee is injured while on the clock, Workers Comp will usually protect him. For example, if your employees are driving to a job, and they get into an auto accident, their injuries should be covered by your Workers Comp policy.
Not only is having Workers Comp coverage important for your employees’ well-being, it’s important for you and your business as well. In the event that one of your employees is injured, your Workers Comp policy will protect you and your business from costly lawsuits related to the injury claims. In the case of workplace injuries, fault is not a relevant factor when insurance compensation is awarded, so making sure that your assets are covered by your Workers Comp policy is important to protect yourself against any injuries for which you may be liable.
Please fill out the form to get your free quote started. Once we have processed your information one of our representatives will contact you regarding your policy options or if further information is required.