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Workers Compensation Insurance PDF Print E-mail
Workers Compensation Insurance

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litagation and creates an easier process for the employee. It also helps 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. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
 
Things To Think About:
  •  How many employees do you have?
  •  Are you in a trade or business that is dangerous?
  •  Have employees ever been hurt on the job? Does your state require you to carry Workers Compensation Insurance?