Injuries can occur in the workplace, no matter the environment. Employees in a typical office setting are just as susceptible to getting hurt as those in warehouses. In order to help prevent financial damages resulting from injuries in the workplace, companies have the opportunity to acquire workers compensation insurance. This policy helps to cover any lost wages and medical expenses in the event of an injury. While injuries are inevitable, having this policy in place can help to minimize or prevent potential risks.
Workers Compensation Policy Coverage
Physical injuries on the job are inevitable, but with an effective workers compensation policy in place they can be minimized. An effective policy will help to cover, and educate employees on the potential harm they can face in the workplace. A workers compensation policy also may have the option to include death benefits for the family of the deceased employee.
A workers compensation policy will help to cover any injury an employee sustains while on the job. Employees that develop other work-related conditions, such as carpal tunnel syndrome or asbestosis, are also covered by this policy. When employees suffer from injuries, employers will receive financial protection. Workers’ compensation insurance will help employers to cover medical fees, and cover lost wages to the injured employee.
Areas Not Covered
If the injury were to occur on the way to work, or home from work, it will not be covered by workers compensation. Injuries must occur while an employee is performing labor on the job. If the injury were to be self-inflicted, or the harm is intentional, it will not fall under workers compensation. Depending on the state where the company resides, seasonal employees, contractors or volunteers may not qualify for workers compensation.
Where Merchant Family Agency Can Help
Finding the perfect fit for insurance shouldn’t have to be difficult. At Merchant Family Agency, we understand that each business is unique. The environments in which employees work are not all the same, and each have their own dangers. Our workers compensation insurance policy provides the utmost protection for employees, and ensures financial security in the event of an injury.
Our team of experienced insurance agents strive to fully protect not only your employees, but your company as a whole. By not having an effective workers compensation policy in place, your business could be subject to hefty medical fees. Don’t leave your business open to harm, protect it today with workers compensation.
Acquire a Policy With Merchant Family Agency
As the workplace becomes more modern, the potential for different injuries increases. Having the proper protection in place for your workplace and employees can mean the difference between staying open, and financial downfall. To provide a shield and protect your employees, seek out a workers compensation insurance policy. The team of professional insurance agents at Merchant Family Agency are armed and ready to help with any insurance need possible. Call our office today at 407.707.6418 or request a quote online today.