How does workers compensation work?
Workers’ compensation is meant to protect both employers and employees should an illness or accident arise while on the job. Each state has its own rules and regulations that employers must follow to ensure that proper coverage will be provided for injured employees.
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Employees filing claims for workers’ compensation insurance can only do so if their injury or illness is caused by their duties while on the job. Common examples include injuries that have resulted from a slip or fall, a strain on the body from heavy lifting, or an accident while operating machinery.
Who is covered by workers compensation coverage?
Almost every state requires companies to carry workers’ compensation insurance to cover employees, but the laws vary by location and occupation. Some states will not cover seasonal employees, independent contractors, or agricultural employees, so it’s best to contact your state’s government agency to see if you are protected.
What doesn't workers compensation cover?
Workers’ compensation insurance usually will not cover accidents that are a result of an employee being under the influence of drugs or alcohol. Coverage may also be denied for injuries caused intentionally or where an employee was not following proper protocol. Accidents that occur while at home or commuting will not be covered.
How much does workers compensation cost?
Rates for coverage will depend on your state and payroll. Two other important factors that determine cost are the type of work your employees do, as well as any previous claims and workplace accident history. Talk to an experienced agent to learn more about specific coverage for your company.