If you own a company, you’re required to have workers compensation insurance coverage. Naturally you strive to keep your workplace as safe as possible, but accidents can sometimes happen. When they do, workers compensation insurance provides coverage.
Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working. For a truly tragic accident that ends in the death of an employee, workers compensation insurance provides death benefits for the worker’s dependents.
What injuries are covered?
Injuries employees sustain on the workplace premises or anywhere else while the employee is acting in the “course and scope” of employment are covered if their employer has workers comp insurance. For example, if someone was driving a delivery vehicle and was hurt, or dies, in a car accident, workers compensation benefits would cover their claim.
Workers compensation systems are established by statutes in each state. State laws and court decisions control the program in that state and no two states have exactly the same laws and regulations. Jacksonville, FL insurance company , Zellner Insurance Agency, is fully aware of the ins and outs as they pertain to Florida law and can help understand the details, including providing a free quote. Give them a call today for details.
