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What is Worker's Compensation Insurance?


Worker's Compensation Insurance (also known as simply "Worker's Comp") is mandated in nearly every state to protect both employees and the employer in the event of a workplace injury. As a business owner, you go to great lengths to provide the safest work environment possible. Unfortunately, however, accidents still can happen, no matter how many precautions you take. The experts at Eichberg Associates will work with you to ensure your business complies with state law, and at competitive rates.


What types of protection does this policy provide?

When an employee is injured or becomes ill while on the job and/or as a result of performing work-related duties, Worker's Compensation Insurance provides benefits to cover medical costs, rehabilitative services and provide income during the period the employee is unable to work. State laws can vary with regard to Worker's Comp protection.


Worker's Compensation Insurance helps protect employers from lawsuits initiated by employees with regard to workplace injuries and occupational illnesses.


What damages are covered by Worker's Comp?

Eligible damages can vary somewhat for state to state, but damages covered usually include:

-Medical care costs

-Rehabilitation costs

-Lost income

-Temporary and permanent disability benefits

-Death benefits


Who needs Worker's Compensation Insurance?

Any business with employees.  Some states require coverage even for businesses that have just one employee.  State worker's compensation laws are designed to ensure that at least some part of the cost of job-related injuries or occupational illnesses are paid by employers.


Why purchase Worker's Compensation Insurance?

Currently it is mandatory, in most circumstances, in every state except Texas, where Worker's Compensation Insurance is voluntary in most cases.  However, even in those instances where purchasing coverage is optional or voluntary, your business will be liable, and therefore at great financial risk, for job-related injuries or illnesses. As a result, it is crucial to protect your business, as well as your employees, with Worker's Compensation Insurance coverage.


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Woodland Hills, CA 91364

Phone: +1 818 380 1700







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