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Workers Compensation

Workers’ compensation is a form of insurance that provides monetary compensation for medical care for employees who are injured while on the job. In turn, the employee loses the right to sue his or her employee for whatever injury occurred that necessitated medical attention. The compensation can take the form of weekly payments in place of wages (just like disability insurance), compensation for future and current economic loss due to medical bills and inability to work, reimbursement for medical expenses (just like health insurance), or benefits for the dependents of an employee killed during work (just like life insurance). Workers’ compensation plan options can also combine coverage for any of these options. In general, damages for pain and suffering and for employer negligence are not covered by workers’ compensation.

In the United States, most employers are required to have insurance for workers’ compensation, and may be imposed with health financial penalties if they do not comply, though the precise laws vary by state. In any case, workers’ compensation is good idea to protect you and your team. Workers’ compensation is essential for problems that can be more commonplace than you think. An assistant may get injured in an auto accident while running errands for the company, or someone may develop carpal tunnel syndrome from working all day at a computer, or an employee may get hurt while stocking something on a high shelf. In any of these cases, you need to have workers’ compensation to take care of your employees.

BIA Insurance Agency offers coverage to pay for an injured employee’s medical care, replace part of lost wages if the condition or injury requires time away from work, and protect your business and assets from lawsuits, as no employee can use your company once they have applied for workers’ compensation.

Here at BIA Insurance Agency, we offer a wide variety of workers’ compensation insurance coverage options for you and for your business. One of our experienced and knowledgeable commercial insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions and to help you find the best, most affordable and extensive workers’ compensation insurance coverage for you and your business, so give us a call today.

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