Workers Compensation

 Workers’ compensation is a safety net ensuring injured or ill workers receive the necessary medical care and financial support without facing the uncertainties of litigation. By swiftly addressing workplace injuries and illnesses, workers’ compensation fosters a safety culture, encouraging employers to prioritize the well-being of their employees. This symbiotic relationship not only safeguards workers’ physical and financial interests but also bolsters productivity and morale within the workforce.  


What Is Workers’ Compensation Insurance? 


Workers’ compensation insurance helps provide coverage and financial protection to employees who suffer work-related injuries or illnesses. This insurance aims to ensure that employees are fairly compensated for any injuries or health issues resulting from their job duties while protecting employers from potential lawsuits related to workplace injuries. 


What Does Workers’ Compensation Insurance Cover? 


Workers’ compensation typically covers injuries an employee sustains while performing tasks associated with their job. In addition to injuries from accidents, workers’ compensation insurance may also cover injuries sustained from workplace violence, terrorist attacks, natural disasters and illnesses. 


Do I Need Workers’ Compensation if I Have No Employees? 


Whether you need workers’ compensation insurance when you have no employees depends on your specific situation and the laws in your jurisdiction. In many places, workers’ compensation insurance is primarily designed to provide coverage for employees who suffer work-related injuries or illnesses. If you don’t have any employees and you are a sole proprietor or an owner-only business, you may not be legally required to carry workers’ compensation insurance for yourself. 


Do I Need Workers’ Compensation if I Am Self-employed? 


Whether you need workers’ compensation insurance when you are self-employed depends on your location and the specific laws and regulations governing workers’ compensation in your jurisdiction. In many places, workers’ compensation is designed to cover employees rather than self-employed individuals. Therefore, you may not be legally required to carry workers’ compensation insurance as a self-employed individual. 
 
Contact ProtectALL Insurance to discuss your workers’ compensation insurance needs. We can help you find coverage that complies with state requirements and suits your business.