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Workers Compensation

All businesses have a legal responsibility to create the safest workplace possible for their employees. But no matter how many safety measures you put in place, accidents do happen. In the event of an employee being injured on the job, your business is ultimately responsible for compensating this employee. Many business owners don't realize that work comp benefits can be granted to employees who are hurt off-site, if they are on company business, if they develop an illness or disability due to any aspect of their work environment, or even if they are hurt in an automobile accident while on the job.

In almost every state, workers compensation insurance is required by any company that wants to do business and hire employees. Even in states where such work comp policies are not the law, businesses are expected to pay expenses to injured employees out of pocket, and some even place more financial penalties on businesses that have no workers compensation insurance.

Stuckey & Company agents can help you navigate the quickly changing work comp regulations in your state and help you determine the right amount of coverage for your employees. Workers compensation insurance will help your company pay for the following:

• Medical bills, regardless of who is at fault in the accident
• Time lost from work
• Rehabilitation costs
• Long term illnesses
• Injuries caused by factors other then accidents, such as repetitive motion injuries and stresses
• Death benefits to surviving spouses and dependants
• Workers compensation insurance will also help pay the legal fees involved in the face of litigation stemming from an accident at the workplace.

Work comp benefits are not a part of your general liability insurance but, rather are a separate insurance coverage. Workers compensation insurance can cover anyone working for you, whether they are a full time employee or a freelancer who has been called in for just one job. Contractors, painters, electricians, maintenance workers, or anyone who does any type of work for your business can be covered by workers compensation insurance.