Workers Compensation
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Workers Compensation

If an employee is injured during the course of employment, you used to have to worry about legal fees from lawsuits in addition to damages and medical expenses. With Workers' Compensation, employees are compensated, but in exchange they are required to relinquish their rights to sue their employer for negligence. This system has saved business hundreds of thousands of dollars by creating a system to handle both small injuries, such as wounds requiring simple out-patient stitches, to more complex issues such as equipment falls resulting in life-changing injuries.

Key Points of Workers' Compensation:

  • Policies can act as disability insurance, compensation for lost wages, payment of medical expenses and as death-benefits to the dependents of workers killed during employment
  • Coverage does not usually include general damages for pain and suffering
  • This policy type is legally required for all employees, regardless of industry