How Workers’ Compensation Covers Both Employees and Employers

Responsible employers are typically aware of the importance of workers’ compensation insurance. These policies are often legally required and may play a critical role in helping your business and its employees recover from workplace accidents. At Alliance Insurance & Realty, our dedicated team is well-equipped with extensive knowledge and experience on this subject and will work with you to help you understand and retain appropriate coverage.

How Can Policies Cover Employees?

Workers’ compensation insurance can often be customized to suit your business’s unique circumstances, but generally, policies can cast a wide financial safety net across many common incidents. Specifically, claims might be filed in response to the following:

• Slips, trips and falls

• Lacerations

• Burns

• Exposure to hazardous materials

• Repetitive stress injuries

• Respiratory conditions

• Sprains and strains

If these issues impact one or more of your employees, they can file a claim against your workers’ compensation insurance policy. If approved, resulting payouts may help manage costs related to the following:

• Medical bills

• Wage replacement

• Disability benefits

• Death benefits

• Vocational rehabilitation

How Can Coverage Help Employers?

Although workers’ compensation insurance can help employees manage health issues following on-the-job incidents, they may instead choose to forego the claims process and sue your company instead. Fortunately, workers’ compensation policies typically include employers’ liability coverage, which can help your company respond to these lawsuits. In response to allegations that you’re to blame for employees’ work-related injuries or illnesses, your policy may assist with the following costs:

• Attorney fees

• Court costs

• Expert witness fees

• Settlements

• Judgments

How to Get Workers’ Compensation Insurance Near Me

At Alliance Insurance & Realty, we proudly help employers in the Bremen, Georgia, area acquire and maintain robust coverage solutions. Contact one of our agents today to learn more about available policies and how they can cover your business and employees.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.