The Importance of Workers’ Compensation Insurance

Suracy Workers' Compensation

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Work-related accidents happen.  It is not uncommon for employees or volunteers to experience an injury or illness that occurs while on the job. For example, someone falls off a ladder or hurts their back moving office equipment.  Should these types of things happen, it’s important to have workers’ compensation coverage in place to offer not only protection for your organization, but to also provide financial relief to employees in many cases.  Let’s dive a little deeper into the basics of workers’ compensation and why it’s important.

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Workers' Compensation Insurance Helps Protect Your Organization and its Finances

Again, it’s important to state that workers’ compensation coverage can help protect your business or organization from costly claims in the event that an employee or volunteer experiences an injury or illness. Without workers’ compensation insurance, your business could be held responsible for hefty legal, medical, and other costly fees.

Workers’ Comp Can Offer Peace of Mind to Employees

Having workers’ compensation in place can demonstrate your commitment to the well-being of your employees and volunteers.  The coverage can often provide financial support to your workers for their medical care should an accident occur. 

It’s Often Required by Law

Almost all states mandate that organizations carry workers’ compensation insurance for their employees.  However, the scope and type of required coverage varies depending on organization needs from one state to the next.  If you are unsure of what is required for coverage in your state, speak to your insurance agent or refer to state laws. 

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There are Common Exclusions

There are some common exclusions to workers’ comp.  These include if the injured employee was under the influence of drugs or alcohol, was in violation of organizational protocol at the time of the accident, was engaged in illegal activity, or inflicted the injury intentionally upon themselves.    This is not a comprehensive list of exclusions, so it is recommended that you speak to your insurance carrier or agent to confirm the details surrounding your policy. 

If you are in need of workers’ comp or if you’d like to shop and potentially switch your current coverage to save money, it’s easy to get a quote.  Call 855-809-1521 or email today!

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