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Accidents happen. Even in the most proactive, cautious working environments, employees may sustain injuries or contract illnesses of varying severity. Workers' compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards eliminating the need for litigation and creating an easier process for the employee.

Workers' compensation also helps to control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Workers' compensation insurance is designed to help companies pay these benefits. So who needs to purchase workers' compensation insurance? Everyone who owns and operates a business with employees. As a protection for employees, most states require that employers carry some form of workers' compensation insurance. Workers' compensation insurance is not health insurance; it is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry workers' compensation coverage. Workers' compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. Workers' compensation insurance must be bought as a separate policy, and although in-home business and business owners' policies are sold as package policies, they don't include coverage for workers' injuries.

If you are a business owner and need to purchase a new policy or simply review and update your current policy, the insurance professionals at Account Services Group are happy to assist with a free, no-obligation workers' compensation insurance quote. Contact us at (601) 981-3663 and let us help you protect your employees and the business you've worked so hard to build.

 1/25/2013 11:01:27 AM 

Posted 11:03 AM  View Comments

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