Accidents can happen when you least expect it. As an employer you pay for workers’ compensation insurance and in return your business is covered for work-related accidents.
Workers Compensation policy covers bodily injury by accident that occurs on the job and by disease caused or aggravated by the conditions of employment. For example: A worker falls in the workplace due to a spill on the floor of the workspace. Some common benefits available to employees under this coverage are:
- Medical treatment.
- Permanent and temporary disability.
- Death benefits.
This section of the policy protects employers if they are found civilly liable for employee injuries that arise out of and in the course of employment. Employers’ liability coverage helps protect your business against common-law claims such as:
- Care and loss of services.
- Certain types of third party claims.
- Consequential bodily injury to a family member of the employee.