Workers Compensation Quote Forms
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Workers Compensation Information
As an employer, you are responsible for your employees’ safety, health and wellness. Even responsible employers in low-risk industries must diligently assess and address workplace risks and perils to minimize the risk of workplace incidents. Still, even the most robust risk management programs may not be able to prevent all on-the-job injuries or work-related illnesses. As such, it’s essential for your organization to understand and maintain suitable workers’ compensation insurance.
What Is Workers’ Compensation Insurance?
Work-related injuries and illnesses can wreak havoc on an employee’s short- and long-term health, derail their careers and even lead to death. Workers’ compensation may be able to make a significant difference in the aftermath of such incidents. By maintaining this coverage, you and your workers can access financial assistance for the following:
What Types of Injuries Are Covered by Workers’ Compensation?
There are many accidents and mishaps that can occur at work. Even in low-risk workplaces, cluttered or poorly maintained walkways, poor ergonomics, sharp objects and hot surfaces can all lead to serious health problems. Common injuries generally covered by workers’ compensation insurance include:
Lost wages—If a workplace injury or illness affects an employee’s ability to conduct their normal duties, your policy can compensate them for their reduced income.
Vocational rehabilitation—If an employee is unable to return to their job, your insurance can provide financial assistance for them to acquire new skills and pursue different positions.
Disability benefits—This coverage can help pay for an injured or ill employee’s disability benefits.
Death benefits—Your insurance can compensate an employee’s family members if a work-related injury or illness proves fatal.
Employer legal costs—If your business is sued following an on-the-job illness or injury, this coverage can help pay for your legal expenses.
What Is Not Covered by Workers’ Compensation Insurance?
Although workers’ compensation coverage can provide invaluable benefits, it does have limitations. In general, you should not rely on your policy to render financial assistance for workplace injuries and illnesses arising from the following:
Sprains and strains
Get the Right Coverage
Your employees are among your company’s most valuable assets. A healthy and productive workforce is essential for your organization to actively grow and pursue its goals. Furthermore, most employers in Pennsylvania are legally required to carry workers’ compensation insurance. With these things in mind, a comprehensive workers’ compensation policy may be among the most important investments your business will ever make.
Intentional acts by employees
Emotional issues with no physical trauma
Incidents during an employee’s commute
We’re here to help. At Jack L. Bonus Insurance, we have over 40 years of experience serving individuals, families and businesses in Zelienople and Jeannette. We will work with you to craft optimal coverage solutions. Contact us today to get started.