Protect Your Team, Protect Your Business
Your employees are the backbone of your business. When they’re protected, your business thrives. Workers’ Compensation Insurance ensures that your team is taken care of in the event of a work-related injury or illness. A Work Comp policy will also safeguard your business from financial and legal risks.
What is Workers’ Compensation Insurance?
Workers’ Compensation Insurance is a mandatory coverage (for nearly all employers) designed to provide financial and medical support to employees who are injured or become ill due to their job. It’s a no-fault system that benefits both employees and employers by covering:
- Medical Expenses: These may include doctor visits, hospital stays, surgeries, prescriptions, physical therapy, and more.
- Lost Wages: Workers’ comp will replace a portion of an employee’s income while they recover. The amount may be around two-thirds of their regular salary, depending on your coverage.
- Disability Benefits: Support employees with temporary or permanent disabilities caused by workplace injuries.
- Death Benefits: Provide financial assistance to families in the unfortunate event of a fatal workplace accident.
- Rehabilitation and Retraining: Help injured employees recover and, if necessary, transition to a new role.
Why Does Your Business Need Workers’ Compensation?
- Legal Compliance: In most states, Workers’ Compensation Insurance is legally required for businesses with employees. Failure to comply can result in fines, penalties, or even criminal charges.
- Employee Protection: It ensures your team gets the care and financial support they need during tough times, fostering loyalty and trust.
- Lawsuit Protection: Workers’ Compensation serves as the exclusive remedy for workplace injuries, meaning employees typically cannot sue your business for injuries covered under the policy.
How Does It Work?
- Filing a Claim: Employees report a work-related injury or illness, and you file a claim with your insurance provider.
- Medical Evaluation: The employee receives treatment and an assessment of their condition.
- Benefits Payment: Once approved, benefits cover medical costs, lost wages, and other eligible expenses.
- Return to Work: Rehabilitation services may be provided to help employees transition back to work safely.
Tailored Coverage for Every Business
Every industry has unique risks. Whether you’re in construction, manufacturing, retail, food service, or any other business, we’ll help you find a Workers’ Compensation policy that fits your needs and budget. A and H Insurance is an independent insurance broker, partnered with dozens of insurance carriers to find you the rates and coverage.
Protect What Matters Most
Give your employees the security and peace of mind they deserve. Workers’ Compensation Insurance protects your bottom line as it protects your workers. You’ll be able to concentrate on building and expanding your business because A and H Insurance has got you covered.
Ready to safeguard your business and your team? Contact us today or request a quote to get started.