3 Things to Understand Before Getting Workers Compensation Insurance

​Every expanding business will eventually need to hire employees. Employees are an essential part of a business, and keeping them safe should be at the top priority. When you feel like you need to start hiring, you may want to begin by reading up on state and federal laws about workers compensation insurance.

According to the National Safety Council (NSC), a work-related injury is recorded every seven seconds. Most of these injuries are soreness or pain; sprains, strains or tears; and cuts, lacerations or punctures. These workplace injuries keep workers from working for days or months.

Worker’s compensation is an insurance that is made to provide workers who got injured while working some benefits making up for lost salaries while they are taking care of their injury and cannot work. It includes injuries or loss of limbs, illnesses like emphysema, injuries caused at work due to overexertion, medical treatment, rehabilitation needed so that the worker can return to work, lost wages (up to around 66 percent or two-thirds of the worker’s salary), death, and liability insurance for the company due to lawsuits filed by the injured workers.

Without further ado, here are the three things to understand before getting a worker’s compensation insurance:

1. The worker is entitled to payment that occurs at work even if part of it is their fault. No worker wants to get injured to collect the benefits. If an employee is at work when got injured, even if the worker’s carelessness caused the accident, the worker is covered. However, if the worker is under the influence of alcohol or drugs, the worker most likely will not be covered.
2. An employee who is away from the workplace is entitled to benefits as long as he or she is performing a scope of the job. Employees are commonly covered if they got injured while attending an event that is sponsored by the company such as company retreat or picnic.
3. It is not true that the employer is no longer responsible once the worker’s compensation has been paid. Keeping the injured employee in close contact early and often while in the recovery phase, business owners can determine when the employee will be able to work again. Setting a return-to-work program can minimize the number of days lost to illness or injury, thus increasing productivity. It can also alleviate the future increase in workers compensation and disability insurance. 

Contacting the best insurance agency is important to ensure that the business is on the right track in protecting its employees. 

At Rick Case Insurance Agency, 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 (405) 722-5556 or Click Here to request a free quote.