Workers’ Compensation Insurance (also known as simply “Workers’ 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, accidents can still happen no matter how many precautions you take.  The experts at Eichberg Associates, Inc. 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, Workers’ Compensation Insurance provides benefits to cover medical costs, rehabilitative services and provides income during the period the employee is unable to work. State laws can vary with regard to Workers’ Comp protection.

Workers’ Compensation Insurance helps protect employers from lawsuits initiated by employees with regard to workplace injuries and occupational illnesses.

What damages are covered by Workers’ Comp?

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

  • Medical care costs
  • Rehabilitation costs
  • Lost income
  • Temporary and permanent disability benefits
  • Death benefits

Who needs Workers’ Compensation Insurance?

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

Why purchase Workers’ Compensation Insurance?

Currently, workers’ compensation is mandatory for most employers in most states. 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 Workers’ Compensation Insurance coverage.


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