Customer Relations · Misc. Insurance · Safety

Why Workers’ Compensation Coverage is so Important

Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.
Workers’ compensation insurance can help protect your business and employees in events such as these:
  • An employee slips on ice, injures himself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time.
  • An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
  • An employee returning to the office from visiting a client is injured in a car accident and requires hospitalization.
With workers’ compensation insurance, The Hartford will help pay for the medical expenses needed to treat these job related injuries and illnesses. Workers’ compensation will also help employees keep their income while they take time off to recover.
Find out how you help your business and your employees by getting a quote today.

Am I required to have Workers’ Compensation Insurance?

Workers’ compensation insurance is required by law in most states and each state’s requirements can vary significantly. In North Carolina, the law says that if your business has 3 or more employees (including yourself), then you must get work comp coverage. A Colonial agent can help explain the specific obligations required and help ensure businesses get the coverage they need.

How Workers’ Compensation works.

When employees suffer a work related injury or illness, workers’ compensation protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.
There are programs designed  to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly  training for new skills. If an employee can’t return to work, the coverage can provide a long-term benefit.
If you need help getting workers’ compensation coverage, or have questions about a policy you already have, contact a Colonial agent and we would be happy to assist you!
All insurance products are subject to terms, conditions and exclusions not described here; we can answer any questions you may have.

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