Business Line Insurance 

Ultimate Insurance Workers Compensation  

Workers compensation is a state-regulated insurance program that offers monetary awards and benefits to employees who suffer from a work related injury, accident or illness. Employees can receive benefits for a wide variety of work related injuries, including: back problems, eyesight deterioration, falls, broken bones, lung disorders, amputations; and cancer.
A work injury can be caused by any number of reasons, such as poor working conditions, heavy lifting, repetitive motions, defective machinery or exposure to toxic chemicals.

Since your compensation amount depends on having a work injury lawyer in your corner, you want an attorney committed to your success.

You will need to insure your employees against on-the-job injuries. Workers’ compensation is a system where the employee is not allowed by statute to sue their employer for on-the-job injuries; but, in return, the employer must participate in a system that provides nearly automatic payment to employee in case of injury for medical bills and damages.

There are many options for workers’ compensation coverage. Some states allow an employer to opt-out of the system if the employer is self insured, some run the system through private insurers while others use state agencies. Finally, some states, by virtue of case law or statute, require additional insurance above workers’ compensation such as “stop-gap” coverage or “scaffolding liability” as just two examples.
 


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