Workers Compensation Insurance For Your Employees

​Many small companies are unable to cover medical expenditures. Workers' compensation payments may include partial salary replacement when the employee cannot work. Benefits may also include healthcare and occupational therapy reimbursement. 

Without workers' compensation insurance, you and your employees can be in a terrible situation. 

What Injuries Can Be Covered?
Employees who incur injuries on the working premises or elsewhere while operating in the "course and scope" of their employment may be covered if their employer has workers' compensation insurance. Worker's compensation may cover injuries sustained by employees as a result of events such as workplace violence, terrorist attacks, and natural disasters, in addition to accidents.
 
Are Healthcare Expenses Reimbursed?
Most workers' compensation programs cover only medical expenditures incurred as a direct result of employment. In some cases, workers may be paid the equivalent of sick leave while on medical leave. Workers' compensation pays out to an employee's dependents if they die due to a work-related incident.
 
Conclusion
Workers' compensation is not the same as unemployment or disability insurance. Employees who receive workers' compensation payments relinquish their ability to sue their employer for damages. Conversely, compensation may include partial salary repayment and medical expense reimbursement.

At Auto Express Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (832) 232-4655 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!