What Does Workers’ Compensation Cover?

Workers’ compensation policies through Suracy can be tailored to each business. In general, however, workers’ comp covers most illnesses and injuries that occur due to a work-related accident. Most on-the-job accidents are covered, although off-site incidents may also be covered if they are work-related, such as an injury sustained on a business trip, a disease acquired through prolonged contact with hazardous chemicals on the job, or long-term injuries or illnesses that are slow to develop, such as carpal tunnel syndrome. Suracy’s 24/7 online claims filing service also ensures that your business can continue to run smoothly if and when you need to make a claim.

 

What Doesn’t Workers’ Compensation Cover?

Workers’ comp reduces a company’s liability exposure while offering employees much-needed financial relief if they are temporarily unable to return to work. There are some common exclusions to coverage, however, including if the injured employee:


  • Was under the influence of drugs or alcohol.
  • Was in violation of company protocol at the time of the incident.
  • Was engaged in illegal activity.
  • Was off the clock.
  • Inflicted the injury intentionally upon themselves.

 

How To Get Workers’ Compensation?

Suracy is focused on providing insurance solutions to suit different business needs rather than imposing a one-size-fits-all policy on every organization. Contact us to get a quote today and one of our representatives will help you find a policy that is right for your business.

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