Workers Compensation Insurance
Workers compensation insurance protects you, as an employer, against employee lawsuits for work-related injuries or diseases that are compensated by statute and/or imposed by law, and it provides medical care and compensation for lost income to employees hurt in workplace accidents. Workers compensation covers workers injured on the job, whether they’re hurt on the workplace premises, in auto accidents while on business, or performing business-related duties elsewhere.
Workers comp provides:
• Payments to injured workers without regard to who was at fault in the accident.
• Compensation for time lost from work.
• Compensation for medical and rehabilitation services.
• Coverage for work-related illnesses.
• Death benefits to surviving spouses and dependents.
Businesses are required to buy workers compensation insurance in almost every state, although each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and the manner in which the system is administered. Kiely Hines & Associates will guide you in choosing the coverage that is right for your business, and see to it that insurance requirements for other states are incorporated into your policy.