Keeping Your Employees Safe
Safety is of paramount importance for practices both large and small. But an often-overlooked part of safety and protection is workers' compensation (WC) insurance.
WC goes beyond the preconceived notions of a pulled muscle or falling off a ladder. In the medical field, there are more risks for employees to become injured on the job. Getting stuck by a needle, contracting a disease from bodily fluids, becoming injured due to handling a patient, or getting involved in a car accident while running a work-related errand could all trigger a claim.
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Workers' Compensation Insurance
Ensuring your employees' safety from injury is a major priority to keep your business thriving. Workers' Compensation Insurance covers employees' medical bills, which may include prescriptions and physical therapy to treat work-related injuries, and partial compensation for wages lost due to absence from work. Many states have laws requiring employers to carry workers' compensation coverage for more than 2 employees. There is a broad view of who is considered an employee under their laws to include, full-time, part-time, temporary workers, minors, trainees, and uninsured contractors. You can be penalized/fined by the state in which you operate if required coverage is not in place. Policy premiums are based on payroll, and rates filed by the state.
Workers' Compensation Insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes incidents and injuries resulting in death.
Bodily injury by disease must be caused or aggravated by the conditions of your employment. The employee's last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. Bodily injury by disease also covers occupational diseases, or chronic ailments that occur as a result of work.
Workers' Compensation includes coverage for all the of the following benefits; lost wages, medical treatment, return to work services, vocational rehabilitation, and death benefits.
Drug-Free Premium Credit
Do you qualify for a Drug-Free Premium Credit? To promote safety in the workplace, most companies will reward you with a drug-testing credit if you adopt and maintain a drug-free workplace program. Contact us to learn more.
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